<prompt> Human: Hi rpersonalfinance !30m here. Im about to start a new job thats roughly 2.5x my previous salary. Needless to say Im stoked but at the same time its a lot more money than Ive ever made and I could really use some advice on the best way to start saving or investing it. Ive basically lived paycheck to paycheck for the last 8 years and Id really like to break that cycle. Ive got roughly 9k in CC debt, most of which is in no interest periods, and 23k worth of student loan debt left. I dont have a savings account or anything besides a checking account and several CCs. Id like to pay off or transfer my CC debt first to ensure I dont pay any interest on it, but really my goal is to be debt free and start saving for the future. Should I open a savings accounts or are mutual funds bonds something I should be looking into? Should my goal be to save up for a down payment on a house is it even a good time for that -- or should I just be saving in general? Do I pay off all my CC and student loan debt first or should I continue paying them off slowly while trying to minimize the interest? What steps should I take to ensure I am saving as much as possible and not falling back into a paycheck to paycheck routine?Thanks in advance!Assistant: Step 1: convince yourself youre still making 40k.Human: Thank you, I was thinking the same thing already and really Ive been trying to convince myself Im making 30k. Im trying to cut back on eating out and dont plan on moving from my current apartment where I pay 750.00 rent for at least another year or two.  <response>: Personal responsibility personal discipline will be the only thing that determines success or failure in this situation. Make sure you have a metric ton of both.Live like no one else will, so later you live like no one else can. 