<prompt> Human: Im 27 years old, make about 85,000year and have credit card debt of about 30,000.20,000 of it is with a CC w a 10 APRThe other 10,000 is with a mix of Best BuyAmazonPayPalOn a monthly basis I pay rentutilitiesstudent loancar insurancecar payment plus all the credit minimums.Without the credit cards it adds up to be about 1500month, the credit card payments are about 800m so well say 2300 a month.For some reason Im not overly worried about being in so much debt because I feel that I can get out of it whenever I really want to settle down and focus on it for a year or 2.Am I delusional? I just want to have fun for the next few years of my life and do things that I wont be able to do when I settle down and have children.EDIT: My credit score is around 650... eventually I was to do a balance transfer and put the additional 10,000 CC debt on something with 15-18 months 0.  <response>: Your spending too much on useless shit clearly and you make a killing compared to a lot of people. Just try and pay your shit off and leave the credit card alone, jesus. 