<prompt> Human: Hello All, Sorry for the throwaway, Ive been on Reddit for 4 years and some friends know my other account. Anyway, Ive got myself in a bit of debt and Im looking on how to be smart with what I have. Annual Salary 110k Bonus will get me to 130k this year Assets:3k - Checking, 5k - Savings, 8k - Personal stock account, I also have a 401k and IRA but I hope I can leave these as they are with monthly contributions. Debt Where Im asking for your help24k - Credit cards mostly due to being laid off and underemployment a few years ago, 50k Student LoansMonthly Bills450 - Car, 400 - Student Loans, 1600 - Rent, 700 - Credit CardsShould I close out my cash including investments to pay down the CCs? Im open to any ideas. Thank you!  <response>: You need to make a budget. You make 110,000year or about 6875month after 25 taxes. You have accounted for 3,150 a month above. Where is the other 3,725 going?Mint and YNAB are both good budgeting software. Once you are accounting for your money, you can stop doing the things that are wasting your money and redirect those funds to things that are important to you, like debt reduction and saving for retirement.Build up a small emergency fund a month or two of expenses in a savings account and then every extra dollar you have Except for retirement savings. Keep getting that match! goes towards paying off those credit cards. Here is a graphic that can help illustrate the order to pay stuff offGood Luck. 