<prompt> Human: Im currently living at home, rent free. However, Im also supporting my finance who doesnt work and has a 2 year old daughter. She is also living rent free. I have a good amount of credit debt that is now with collections--about 6K. Here is my dilemma. Shes wanting to get a place together asap because she doesnt like where shes at. However, Im the only one working and 90 of the responsibility would fall to me. Moving in together would mean that I have very little money to pay off my debt. What I want to do is stay where Im at for now and work my ass off to pay my debt down, but shes insisting we move. This debt is a huge burden on my shoulders. It seems to me the best decision is to stay put, pay things down--taking advantage of living rent free to step up in life. Would you agree or disagree?  <response>: Why isnt she working her ass off also if she wants to move into a place that costs more than the current one? 