<prompt> Human: I Got a job out of school this summer and moved to a 1Br apartment closer to my new Work. I signed a lease w my girlfriend of 5 years this August. After some issues we are going our separate ways. She is moving in w her parents and I will be staying in the apartment. Both of our names are on the lease. Our Lease term is 20 months w 17 remaining. So my rent is increasing from 1400 to 2800mo which is over 12 of my monthly income. I feel like I am financially screwed at the moment. This is where I stand:Income 95k after taxes 4800mo w overtime that can be up to 5500mo depending on how much overtime is available which is highly variable and inconsistentCc debt 6000Savings 5000Investments 1800 in my acorns portfolioRent 2800moUtilities 150moStudent loans 800mo 100k total set to increase based on my income so payments will be rising next yearHow do I approach my CC debt? Before this I paid it down from 10k paying 500 mo thats no longer an option. Do I pay it all off in full and empty my savings? 4000 of the 6000 debt is 0 Interest till 818. 2000 is 20 interest. Right now after all expenses i listed it looks like I will only have about 2-300 a week for food, gas , cc bills and entertainment. Initially my goal was to save 15kyr and purchase a house after my lease was up. That is not realistic anymore, since my ability to save money is all but gone at this point. And the next 17 months will be more about just surviving than saving. Im lucky enough to have a good job with a good salary but now it will all be wasted away on rent. Im going to be living paycheck to paycheck at this point and idk what to do, outside of getting a second job. Assistant: Look at your lease. What terms does it lay out if you break it?If there are no terms about breaking a lease, look to your citystate laws concerning breaking a lease. There may be provisions there.Getting out sooner rather than later will be best for you. You dont want to wait until you have completely depleted your savings trying to stay in this place before making your move.Then you need to look at alternative housing. Roommates probably or else a much smaller place.Human: According to the agreement there is a penalty for breaking the lease that will be determined by the owner. Additionally we received a 2 month concession when we signed our agreement which was 6000 and according to the lease this will have to be paid back. I will have to check w specific laws relating to my city when I have some time tho.  <response>: Seems less expensive than staying. Time to talk to the owner and plead for a sympathetic hearing on your case. 