<prompt> Human: Heres the deal: Im a 40-plus-year-old single mother of 2 working as nurse in South Carolina. I make good money, but my finances are completely crazy and I honestly dont know where to start. Heres a detailed list of billsdebtincomeassets followed by some questions that I have. Im hoping rpersonalfinance can be a great resource for me.Monthly BillsExpensesCar payments: 680 6 years left due to being upside down on 2 previous trade-ins; 175 younger sons carCar insurance: 400 3 cars on policy; myself and two children 21 or youngerMortgage: 865Utilities waterelectrictrash: 225Cableinternet: 120; considering dropping cable would reduce 70Cell phone: 80400 to my older son at college to help with rentgroceriesgasDebtsloansFurnitureBest BuyMedical payment plans - 248month; combined because they have no interest and will be paid by next summerChase Credit balance of 14,000 16.99 interestLowes Credit balance of 3600; deferred interest until April 2019; 200month paid to wipe balance before thenCredit balance of 7,500; no interest for 21 months; opened it up to pay down Chase balancePersonal Consolidation Loan - 564month for 5 years to help pay down high interest credit linesStafford Student loan from youngest child - 5500; 50month starting next month IncomeWorking straight-time as an RN nets me 4,700month; with overtime shifts, I can take home an additional 2,000monthAssetsSavings - after I move some money to pay down Chase credit card, I will have 1,000Checking - 3,000I own my older sons mid-2000s Toyota CamryI have absolutely ZERO retirement and I kick myself every day for not starting sooner; my employer matches half of my contributions up to 6 but I cannot currently contribute anythingQuestions for rpersonalfinanceIve heard from a friend of someone who works with a repossession company that the bank my car loan is through doesnt usually come after the car owner for lost money when the car is turned in and put up for auction. Im so upside down due to previous trade-ins that my monthly payment is astronomical for the car a new Hyundai. Would turning in my car and getting a bucket with wheels be an option? How would this affect my credit and would it actually help my financial situation to have that extra 700 per months to pay down debts? Ive been offered a new credit line with a local bank 2,000 with a 9.9 interest rate on balance transfers. Would it be a good idea to open that credit line and use the balance transfer to pay down some of my higher interest debt? Thank you in advance for any suggestions. Im just lost at the moment and looking for a concrete plan to get myself out of my hole and start saving for retirement as soon as possible.Assistant: Car payment and insurance seems high. Do all your kids need cars? Do they work? I would ditch all car payments and drive your sons Camry you own outright. Cut out all unnecessary expenses and focus on cc bills first. Human: The car payment is high, which is part of the problem. Its due to being upside down on multiple car loans before this current car. My eldest son, who drives the Camry, does not live under my roof and needs a vehicle for everyday use while at college. My youngest son who lives with me has a job that requires traveling.  <response>: Could he pay for the car? Teaching finance and responsibility isnt horrible. 