<prompt> Human: Alright so I make 12.25 an hour for roughly 40 hours a week. I just got into a lease on a new vw bad idea I know and its costing me 515 a month. Plus 200 insurance. Then I have a 115 dollar phone bill and rent and electricity and so on. I broke a lease on my apartment and now owe 1800 and I owe my bank 1100 dollars in overdraft items and fees. And I also owe 1800 to medical expenses. And I have 2 credit cards with a 300 and 500 limit. Both past due. The only way I see getting out is getting rid of my car and getting something cheap, but its a lease that Ive only had for 3 months and and I rolled 4k in negative equity off my previous vehicle. I split rent with my mom and other house bills and we switch off on groceries. And my gf has a part time job looking for a full time but wants to save for herself. We dont go out to eat or get treats and snacks. And we havent gone out to do anything fun in months. Any advice would be appreciated.Assistant: Holy bad decisions batman. Thats way too expensive a car for your situation. You need to get out of that asap and see if you can find some wiggle room in your budget to pay back some debts. Human: Yeah youre telling me lol. I really need to talk to volkswagen to see about my lease agreement and what room I have. Id rather drive something older until I actually have money. But when I turn 25 22 currently I get a 100k settlement  <response>: Dont count on that money. I know its probably a safe bet, but you need to figure out how to manage your finances BEFORE you get that money, otherwise you may find yourself in this situation again in a few years. First thing, get out of that lease. Then, make a more detailed post listing your income and all of your expenses. After that, well be a lot more help! : 