<prompt> Human: I make approximately 80k a year. I have 6.5k in student loans 8 interest, 15k18k in credit card debt 3 cards, 1 car loan 35K. My net pay is approximately 4500month. My long term girlfriend lives in a different state about 500 miles from me and I visit her every month and that costs me about 200-400month. I am 27, I have about 2k in savings, about 10k in retirement. Right now, I need to buy a second car to commute to work and I want to pay off 90 of my credit card debt by 30 as well as my student loan debt. My monthly rent is 900month. I would like to propose to my girlfriend in the next year or so too. Any advice here on how I should tackle this situation. Should I take out a personal loan to try to consolidate my debt? What should i tackle first...my student loan or my credit cards?Should I save up to buy my daily driver car around 5000-6000 expected cost, then start paying debt back? Or should I get a loan for all of the above?Assistant: I think you need to take a look at your financial goals. How important is your dream car? How important is getting out of credit card debt? How important is paying off student loans? How important is an expensive engagement ring? You have a finite amount of money, so youre going to have to prioritize your goals.Human: At the current rate of repayment, my student loans are expected to be paid off by 2020 I believe. I pay 235 a month. Getting out of CC debt is 1 priority to me. The engagement ring is second priority I expect to spend about 6-8 grand on it.  <response>: Are you not seeing the connection between 6000 engagement rings, dream cars and your credit card debt?If you wouldnt live so extravagantly, you wouldnt have these problems. So long as you dont make an effort to change your mindset, youll simply rack up new debt once you pay of this round. 