<prompt> Human: Hello, Im a 25 year old who has made some pretty poor financial decisions, and I could use some brutal honesty about my situation. Ill keep this short and sweet:Income: 71kyear, paychecks every two weeks are 1,944. 400m rent from girlfriend. Debts: Mortgage PITI: 1,500m 3.25. Total balance is 219k Car Loan: 300m 2.5. Total balance is 16,857 ATV Loan: 250m 6. Total balance is 4,300. Unsecured Consumer Loan : 120m 12.5. Total Balance is 1,002. Line of Credit: 150m 20. Total Balance is 2,000. Fluctuates between 1k and 3k Nebraska Furniture Mart card: 125m 0. Total Balance is 2100 CC 1: 100m 16. Total Balance is 2,000. CC 2: 165m 18. Total balance is 2,650.Im only contributing 1 into my 401k. I was contributing up to the matching 6 but recently cut that back to help pay off debt. Current 401k balance is 10,150.I own a truck outright, worth about 8k. I have about 40k in equity in my house. Im pretty much living paycheck to paycheck throwing most extra money at debt. I dont have a budget, but I dont really spend money on anything substantial. I eat out a couple times a month, dont really do any fun activities. I do woodworking as a hobby, and splurge there occasionally. I spend a bit on gaming.Edit:Ok Im going to break out some expenses: Electric bill house is all electric average: 250 Water: 60 TVInternet: 120 Cell: 50 Car Insurance: 133 Groceries: 300 Eating out: 80? Wood-workinghobbies: 100-300 Gifts always someones birthdaywedding: 75 Haircut: 50So how bad is it?  <response>: Oh god you scared me for a second then I realized you classified home loan as debt. Just a rough estimate but after all your monthly expenseswithout counting home and debt payment, youre left with about 3,000?Your debt payments per month come out to 2585. Thats about 400 leftover after a month.Correct me if Im wrongIf you do not have a 3-6 month emergency fund set up, then I suggest you start on that ASAP. I think you can afford to do the company match of 6 and still have money leftover. Make a budget and track your spending.First priority: Make your emergency fund. Like now. 