<prompt> Human: Im 23 year old male making 50k a year, but have a lot of finances that I need to cut and curb because I cant seem to get out of debt. I live at home with my mom and two sisters, my dad lives in another state for work. My take home is 3,500 a month after taxes and a retirement plan.My payments are as follows:367.67 monthly phone bill500.00 monthly rent650.00 monthly car3,500 in credit card debt1,000 yearly insurance for my carMy mom demands I pay the monthly phone plan for the entire family, 500 in rent, and my own car insurance. The only thing I do is sleep in my room, because Im otherwise out with my girlfriend. My sister also makes 60k, 500 in rent, and pays for the family car insurance. Both my parents are immigrants who are banking on us to provide for their retirement. My youngest sister is starting college this year for a 5 year pharmd program with a lot of financial aid and scholarships, but also needs to pay about 2,500 a semester. What the fuck do I do? I dont really know where to go and how to start.  <response>: You probably stop spending so much money hanging out with the GF. My guess is that this is where most of your money goes. Short term, you need to stop wasting that money and use it to payoff your credit card debt in about 2 months, 3 at the most.Medium term, you need to downsize car unless you have less than 18 months to finish paying on it and own it outright. Any more than 18 months and you are too deep into your car, downsize substantially. This should be done within just a few months.Long term, you need to save up some money and move out on your own. By long term, I mean like in 6 or 7 months. 