<prompt> Human: I am 23 and just graduated. I am lucky enough to have a job and my take home pay before 401khealth insuranceHSA is 3600 a month. I also have a side job that may get me 300 a month for miscellaneous expenses, so I will exclude that out. I bought a car that was out of my reach for 32k long story at 0.9 interest. I have 9000 student loans that will start incurring interest in September at 3 and 5. My expensesCar pmt: 530Gas: 150Health insurance: 70Car Insurance: 150Food: 200RentGift for parents: 400Expenses total 1500Ok, so heres the thing. My parents make barely anything and I have 3 other siblings that are near college age. My parents are financially dependent on me, and even though PF advises against it, I am more than willing to help them RIGHT NOW. They make enough to cover their expense and have about 12k in CC debt currently no interest 6K interest starts in 15 months, 3k interest starts in 6 months, 3 k interest starts in 9 months, and a car that has about 7000 left at 2.9. At my current situation, is it best to pay off their car first since its incurring the most interest?Also my employer offers traditional 401k and roth 401k. Matches 2 if I put in 4...but unsure whether this applies to both or just the traditional. I definitely have enough to elect the 4, but I am not sure for Roth or Traditional, because I really dont have a clue what my tax rate will be at retirement.My goal this year is to be able to pay off my student loans and my parents credit cardscar and start all of us off in 2015 debt free besides the 30k car that I regret. Then my ultimate goal within 5 years is to buy a house...for my parents. Where should I put that money?This post may be lacking but I can provide more details if asked. I think about this at work, I think about it at home, I think about it before going to sleep and I am getting really tiredhoping that this post is at least coherent...so I am hoping to get some advice from PF to point me in the right direction. :EDIT:THANK YOU EVERYONE FOR THEIR REPLIES!!! Much appreciated!  <response>: If I had made the decision you have to get my entire family out of debt, I would take over their finances too. You say they make enough to cover their expenses, we ALL know there is room for improvement in their budget. Treat them like a financially un-savvy significant other. Make them create a budget and stick to it.Youre dropping 1000s on them to get them out of a situation they created. They need to learn from this or they are bound to repeat it. Generic advice after that. Read up on Debt Snowball - its perfect for people in your position, and the related literature is probably at a level that your parents could learn from too. Dont just bail them out. Remember, if you build a man a fire you keep him warm for a night. If you set a man on fire you keep him warm for the rest of his life. 