<prompt> Human: So heres the budget: Coffees Income After Tax Deductions: 4,450mo Girlfriends Income: 0 Rent1570 SoCal Property Insurance 31 Storage 50 Cable 125 Girlfriends Car Payment 470 Girlfriends Car Insurance 80 Family Verizon 160 Gas 400 Electric 80 WSG80 Dogs Insurance80 Food House Stuff 800 Coffees Car Payment590 72mo too Coffees Car Insurance 260 Total: 4776 Heres the balance sheet: Credit Card: -15,900 10 Girlfriends Car: -25,200 2.5 Coffees Car: -38,010 3.5 Roth IRA: 10,000 0-5 Old 401k: 31,800 9 Current 401k: 1,900 ? - Contributing match Liquid: 900 0 I know Ive got some major problems here. I think the biggest one is my car which cost me 1,400 last month all told. Ive made peace with the fact that its ruining my life and I need to get rid of it ASAP. The problem is Im about 7,000 underwater... Id like to get into a used Golf TDI 2010 to double my MPG 21 to 45 for my 80 mile commute. This also drops my insurance from 260 to 100. Gas should go from 350 to 170 or so. This costs from 12,500-16,000 10 tax private party, or 18,000-21,000 10 tax from a dealer. I could spend less but I like this car and think it would last a long time even after it was paid off so I could realize life without payments. If I buy a private party car or sell mine that way I wont be able to roll the negative equity on my current car over into a new loan and will need to pull that money out of my old 401k to cover the difference. This will probably get me more money back on my car and result in my spending less - but I lose that savings and take the tax 10 hit on it. What do I do? Once I get that sorted out what do I do next? Is there any reason to pull any additional money out of the old 401k to get a jump start on reducing the CC debt? Current plans: I can replace my cable internet bundle with just internet HBO GO for about 65 saving 60 a month. If I spend 1,000 on a flight hotel on the CC or out of old 401k I can go clean out my storage unit for another 50 a month. I can sign a long term lease in my current apartment to drop rent by 150 a month, or relocate to save 200 a month. Girlfriend is looking for a job or I would also be working to sell her car.  <response>: Why is your girlfriends car payment and insurance over 1k? Thats completely ridiculous. She has no job but she has a nearly 500 car payment. 