<prompt> Human: First time submitting a post here and I am looking for some advice pertaining to removing my CC debt. Nothing new as to how it happened, got my first well paying job out of college and got cocky. Looking to rectify that! : Should I dip into my 401k or just aggressively pay off this debt over the next year or two. I have a full time position making around 85k annually and a side business that brings in roughly 20k extra profit. I am paying around 225 a month minimum on the CC. I have a couple of other minor things financed but all are still in the 0 financing time period and all are less than 1000. Total for other debt is maybe 3k. Once those are paid off I plan on applying those same monthly payments towards that CC.The alternative was what I stated earlier and that is to dip into my 401k and just kill this CC debt once and for all but I keep being told by friends and family that touching that money is not a smart move but I am not being told WHY its not. Any help or advice would be greatly appreciated, thanks PF!Assistant: You problem is that you need a budget, desperately.You make 105k and have 13-15k in debt. You are making the minimum payments on your credit cards.You are spending over 5k per month, easily. That is insane for one person without a family. Itemize your fucking spending and get it under control.You are still acting cocky and clearly do not understand the situation you are in. This debt should be gone within 6 months, not maybe 1-2 years. Reign in your fucking spending.You are broke. You have no net worth. You are poor despite how much money you make.Human: Yea I will be the first to admit I am not being as responsible or disciplined as I should be with the amount of money I make. I believe the problem is I dont track my spending so I dont know what I am spending it on. All of my bills get paid every month but the money left over is not used wisely obviously. I do not use any money I make from my full time job on my side business. The money I make, I reinvest into the business itself and I dont rely on it to get me through the month. My wife is currently attending Wake Forest graduate school full time so she put her job on hold until that is complete, which is one of the reasons I am trying to become better at managing our expenses. We have a mortgage is 1225mo and 2 car payments. Now that her job is on hold her billsexpenses will need to be accounted for in our combined income. We both have handled our own financesexpenses separately, until recently with her job ending. I know this is probably not the norm for married couples but it works for us. We do have emergency funds set aside surprisingly.Even as I am writing this out, I am realizing my problem could be solved quicker than I have anticipated and I am only fooling myself if I think our spending is anything but reckless. I need to take the time to do this right... I find myself saying I am to busy, I dont have time. when in reality, I just dont find time to manage my finances properly.I really do appreciate the honestconstructive criticism and also thank you for not sugar coating it... I know others in this thread have mentioned ways to make a budget and track my finances so I will look into those options ASAP. I wont be touching my 401k, seems obvious now that I havent had one person tell me thats a viable option even before this post...  <response>: Post your spending.How much on house, how much on cars, how much on food, etc. 