<prompt> Human: I lived at my parents house for 4 years after college up until recently when I bought a condo. Paid off all my student loans while living there and it worked out very well financially. Wiped out pretty much all of my savings after purchasing the condo. Also racked up about 5000 in CC debt furnishing the place and making home improvements. I have been more or less paycheck to paycheck since then. I dont have an emergency cushion saved up. I make 45,000 and pay just over 1000 in PITI a month with a 15 year mortgage. Sure my overall net worth is increasing about 700 a month between principle on the mortgage and 401k contributions, but theres nothing left over in terms of cash to pay down debtsave.Do you think if I got a new job with a salary bump of 10,000 to 55,000 it would result in much of a difference for me? Anyone been in a similar situation?  <response>: 10kyear amounts to 833.33month. Assuming a 35 flat tax not reality, you can look forward to 541.67month take home. Sounds like it would help you considerably. 