<prompt> Human: This is my first time having a full-time job that I recently started. I want to buy my parents and my friends nice gifts a designer bag, ipad, etc, since I have never been able to do so in the past. However, I have basically nothing in my savings account and have to pay down 3-4k in debt student loans cc debt.  <response>: Ummm, you dont buy expensive stuff to put you in more debt 