<prompt> Human: Hi pf, Ive been following this sub for a while and hopefully you can rate how Im doing right now. 26 years old and feeling stressed about money right now. For starters, I started my job this year feb. and make about 58500 a year pre-tax at a very stable job. I have opened 3 savings accounts with the amounts belowHouse saving fund: 1450Emergency fund:1000New car 50 literally just started this I am about 5200 in debt as of now and usually make 600 payments a month to pay these off havent used credit cards in about 2 months and the chase is a balance transfer from an amex card these are my remaining balancesMasterCard: 870 9.7Chase: 1730 0 until March then its 17Car loan 2600 remaining 1.9I also contribute 6 to a 401k and 2 Roth IRA which I just opened this week. Have about 1100 in the 401k right nowI have also claimed 0 deductions and take home around 3000 a month with my expenses at 1300. After paying credit cards and utilities and rent Im left with around 1000 to buy gas groceries, etc and entertainment. I am just a little worried about my future if Im doing this right. Please let me know if yall have any tips or secrets for quickly saving money, Id love to own a home and buy a newish 4Runner in the future. Thanks for your help.  <response>: Pay off that Mastercard with the house saving fund right now. Thats 9.7 guaranteed return right there. No point in saving if youre throwing away interest money at the same time.Then increase your emergency fund to 3 months expenses but at the same time make absolutely sure you pay off the Chase card before March. You do not want to pay those 17 interest. 