<prompt> Human: Please judge my current financial state. I feel like Im not saving enough. I also desperately want a new car but I dont think Im in good enough shape to do that. I also want to purchase another rental property but Im not sure if Im ready for that either. Any and all comments, advice, guidance, and wisdom are appreciated.IncomeAssetsI make 40KYear at one job. 2,500month after taxes.I make 3KYear at 2nd job. 250month after taxes.Almost no savings, 681 credit score last time I checked Credit Karma.House is worth 80,000 - paid offno mortgage.Rental Property is worth 110,000 generating 850month - paid cash,fixed it upno mortgage.Car 06 Toyota Camry is probably worth 3,000 - paid off.Credit CardsDiscover - 7500 balance 15 - 153 minimum payment.Capital One Visa - 5500 balance 17 - 128 minimum payment.Student Loans1 - 3600 balance 5.6 - 54 monthly payment2 - 4400 balance 3.4 - 44 monthly payment3 - 2000 balance 6.8 - 24 monthly paymentPersonal Loan - 8000 balance 6.5 - 253 monthly payment Funds were used to make repairs on the rental propertyBillsHouse Insurance - 80monthRental Property Insurance - 110monthCable Internet - 125monthCar Insurance - 150monthUtilities - 200month It varies but is usually 200.ExpensesEating Out Drinks - 500monthGas - 200monthGroceries - 150monthMusic Lessons - 140monthNetflix Other Entertainment Stuff Laser Tag, Movies,etc. - 100monthAre my finances on par with most other 27 year olds? Am I spending too much on eating out drinks?Im thinking about taking out a HELOC or cash out refinance on the rental property to pay off the credit cards, the personal loan, and to buy another rental property - is this a good idea? If so, would the HELOC or cash out refinance be better?On another note, my car has been running like crap. Over the past 5 months, Ive spent about 3.5K on repairs. Should I start saving for a down payment on another car or should I just use some of the money from the HELOC or cash out refinance to buy one?Again any and all comments, advice, guidance, and wisdom would be GREATLY appreciated.Assistant: No one 13k in credit card debt can say they are doing okay financially. Am I spending too much on eating out drinks?Apparently, because you are in credit card debt.Human: Do you think that I am using the cards to pay for the drinking eating out or are you suggesting that I eat out less and instead use the money to pay off the credit cards sooner?  <response>: Both. 