<prompt> Human: About me: 26, earning 80k a year, about to get married in June. I have 5800 CC debt, the remaining 2300 of what was once a 5000 Lending Club loan from bad decisions I made, almost no retirement fund and only about 1,000 on hand. I am overwhelmed trying to figure out where to put my money. Ive finally gotten spending under control. Bills: 1000 rent will soon be able to split rent w wife500 car payment150 car insurance100 cell phone60 comcast200 lending club150 hospital bills Thats the bulk of it. I was forever spending more than I could afford and thats how I racked up the debt and didnt save. What should my plan be? I know that it makes the most sense mathematically to get rid of the debt. Right now the CC debt is 0 interest for a few more months. Should I roll that over to a new 0 interest card when this time is up? My credit score is 710. I am anxious about not having money saved, or retirement funding. Should I pay the debt slower to focus on building some savings retirement? I am just looking to figure out a a plan of action I can stick to so I can stop trying every day to move things around to make sense. I know Im spinning my wheels...Please thank you  <response>: Start by shedding that car payment. If youre over-water on the loan, sell it for what you can get and use the cash to buy something much cheaper.For the hospital bills: how much more do you owe? You should try calling the hospital and negotiating it down to a final payoff.Do you have positive monthly cash flow now? Establish that, and divert at least _some_ of it into retirement funding now. Even if its not enough, youll start building the habit. Put another chunk aside for a bigger emergency fund.Put the rest towards rolling up your debt. Start with the lending club loan, then snowball that to get rid of the CC debt. 