<prompt> Human: So I just totaled my moms car. Ran into a power pole. Pole was trashed as well. Thankfully, no serious injuries. My moms car was a lease. I have about 10 grand saved up, but this was going to go towards a new house. Im a 23 year old college drop out with two jobs. I get paid around 12 an hour and work 60-70 hours a week. What should I start doing to prepare for the hell that will be the debt I will be in? Edit: car was insured, I was on the insurance. Sounds like I am just going to have to pay the deductible and pay an obnoxiously high monthly payment for insurance for years to come?  <response>: What should I start doing?Driving more carefully. 