<prompt> Human: hello PF,I need some advice concerning my financial situation. Currently, I am 26, my yearly income is 79K before taxes. Been working about 3 months. Here is my savings and debt:Checkings: 3800Savings: 10,500Debt: 21,000 car loan at 0 for 36 months on track to pay off at end of 36 months. 12,000 student loans at 4.25 and 7,000 credit card at 7.25. Expenses: Rent - 500 including utilities and cable, 500 car payment, 100 insurance, 50 cell phone, 300 food, 300 student loans, 600 to credit card. My gas is reimbursed with my job. After taxes I have a monthly income of 4200. I pay myself every month about 1200 which goes to savings. Looking at investment options or opportunities for some passive income. Thank you reddit.  <response>: Personally Id take 7,000 of your 10,000 and pay off your credit card debt. Then you can start building it back up slowly while simultaneously making larger payments to your student loans. I wouldnt be stuffing 1200 a month into savings when you have that outstanding CC debt though, thats a bad bad move. 