<prompt> Human: Hi everyone. This is my first post, but have been reading everyone elses for quite some time and I feel like I can get the best advice here on reddit. Any kind of advice is welcomed. Current situation: - Work is very inconsistent. Some weeks I work 35-40 hours and other weeks I work 20-25. I get paid 16hr. I have the opportunity to get promoted with full time hours, but pay is the same. - I contribute a total of 6 to my 401k. Total coming out of my paycheck including health insurance and the 401k is roughly 35 every 2 weeks. - Rent is 450 and my car loan is also 450. - I have roughly 6k in credit card debt with a few cards that I have neglected for 2 months. What is the best course I should take to alleviate this debt?  <response>: You are 22, you have 6k credit card debt and a 25k car? What is wrong with this picture? You are trying to live a life you cannot afford. How did you even get that car? Sell the car. Pay that loan off. Then buy a cheap car and pay off your CC debt as fast as you can with your extra money from your car sale. You are paid 16hr and you have a 25k car? 