<prompt> Human: Recently Ive come to a realization that Im not managing my money well. Im 4 years out of college and in a total debt of about 66k. I didnt come from a family with a lot of money, and my parents really never taught me the importance of saving money and how to manage money. They have always been in debt, and I feel like Im following their footsteps, which I dont want to do.This is an overview of my current debts 30k in student loans with interest rates that vary from 3.86 - 6.8. Minimum payments are 490, and ive basically just been making minimum payments. 8k loan for my motorcycle with a 5.9 APR, minimum payments of 190 9.5k for my car with a 3.5 interest rate, minimum payments of 225. Which I refinanced through the bank to get some money to pay for credit card debts. The car is probably worth 5k now. 19k in credit card debts. Ive been trying to move the cc debts around with 0 APR for 1 year with balance transfers that have a 3 fee. I have about 4 accounts with 4k balance on each. So each time I move my balance, I pay 140 fee. But that gives me about another year without getting hit with the 20 APR interest. Each account have minimum payments of 100.I live in a house with roommates and my minimum monthly expenses are 500 rent, 45 cableinternet, 70-90 utilities.Im currently making 80kyear, and maxing out my 401k. After taxes, med insurance, and 401k contribution, Im getting about 4.4kmonth.1. Should I stop 401k contributions and focus on paying off debts? The contributions are taking 500month pre-tax, but company will match .50 to for every 1 up to 8 of my salary, so Id be missing out on some free money.2. Whats the best approach to get rid of my CC debts? Consolidation? Just keep doing the balance transfers?3. There was a PLR for 401k matches based on student loan payments. When will that take into effect?And I know I have a spending problem, I should probably have lived at my parents house out of college to pay off my debts first. Asking for any advice that anyone may have.x200B;Update: Thanks for all the tips. After looking at everyones answers1. I know I need to budget and stick to that budget. I havent really been tracking my spendings and im getting a better picture of where my money is going. So far it looks like after meeting minimum payments living costs without food, I have 2.3kmonth in surplus. 2. Sell the bike3. Dont stop 401k contributions4. Live frugally till I can get rid of most of my debts.5. I was wrong saying that I was maxing out my 401k, Im only contributing enough to max my companys match  <response>: First, you are not maxing your 401k, you are simply contributing enough for the full company match, which is great, but about 1000mo contribution different than what youre doing. Secondly, you are missing a TON of things on your monthly expenses. Food, gas, vehicle insurances, entertainment, etc. that would be hard to say X income - Y expenses Z amount you should dump into your debt.Step 1. Create a budget. List out all your income, and most importantly ALL of your expenses on average for the last 6 months.Step 2. Find where you can trim some fat on your budget.Step 3. Come up with a final take home number after all expenses to see what you can actually dump into your debts.Step 4. Consider selling one of your vehicles, preferably the motorcycle but your choice. You dont need 2 vehicles with over a years take home salary in non-mortgage debt.Step 5. Payoff highest interest rate debt first I would start with the credit cards even though they are 0 right now as opening a ton of cards every year to balance these promo periods isnt sustainableStep 6. Once you get the CCs paid off, the Motorcycle loan paid off, and the Student Loans that are higher than 4, then you have the option of either continuing putting the money towards the lower interest debt for a guaranteed 3-4 return on your investment, or consider opening an IRA and start investing if you feel you can net gains higher than 3-4. 