<prompt> Human: Hey guys, Im really in an awful position here and I actually have no idea what to do. It looks like I have nowhere to turn.Im 21, and I work for my dads business in a heavily populated town. Its been up and running for 3 months, with very little signs of growth. Before I worked here, I worked in a local emergency room making about 19hour before taxes, I was making good money for someone with very little expenses.I got a car, a 2015 Camaro. I increased my whole life insurance policy. I opened up a credit card. Plus I had spending money.Camaro - 189every 2 weeks, or 380monthLife Insurance - 100monthCar insurance 2 cars, 385monthCredit card- 30minimum but I pay 100month to avoid the interest.Thats 965month that needs to be paid.I am 600 overdrawn in my bank account. I physically have no way to pay for anything, and whenever I ask my father for money, he gives me the runaround about how he has the rent, utilities, and other payroll to pay. Im too big of an asset to the business to leave, if I left, the place would fall apart, and thats how my family stays afloat. The only way Im making money is running deliveries, but its nothing compared to what I need.Any advice would be greatly appreciated. Assistant: Why in the world do you have 380 a month whole life insurance, especially at 21???Human: Its 100month, and the car is 380month.Basically, Im thinking sell the car and get a beater, find a second job, lose the life insurance. Tell your dad to find someone else to do your job for a lower wage so you can get your 19hr job back if thats possible, or at least a job that pays you more than you make now.Assistant: If I sell the car, doesnt the financing company get all the money? I cant lose the life insurance, its worth too much in the future. I cant get my old job back. Thanks for responding though!  <response>: Whole life insurance is a bad deal. You are better off putting 100 a month into a IRA or 401k. 