<prompt> Human: Hi all. Sorry for the somewhat throwaway account but I dont really want this information out there under my main account. Im 25 years old and my wife is 43 que any questions... We have a 14yr old from her side obviously. Id like to get our finances in order. We definitely dont hurt for money but were not exactly stable or future-proof.Income: Between the two of us we take home about 8,000mo after taxes, health care, dental, etc. Additionally, we get 400mo child support and I often get some extra money from freelance but I dont like to budget that or count it towards anything. It usually just gets spent on my hobby.Retirement: We both work for the state of Florida so we have the FRS plan. Ive been in for around six years and my wife a bit longer. We dont contribute anything more than what were required and we dont have any other sort of retirement planned.Savings: 1200College for Kid: We have the 22 tuition plan for Florida Prepaid College and its paid off.Mortgage mortgage home flood insurance property taxes: 1320mo or 17 of take home.Cars just the two loans for purchase, no lease: 795mo or 10 of take home.We have a VISA credit card with a 1500 credit limit. I use it routinely but pay it off every paycheck -- havent paid a penny in interest. I know my credit score is upper 700s and my wife upper 600s.Monthly budgeted bills:Mortgage 1320Truck 410Car 385ElectricSewage 250Cell Phones 190Car Insurance 185Internet Home Phone: 115Timeshare Mortgage to be paid off next month -- been chipping away at it... my wife had it before we met, 18 interest!!: 120Student Loan 5-6 interest, around 5000: 100 minimum payment 66Mattress Loan interest free: 100 minimum payment 80, 100 required to pay off in promotional periodSignature Loan for a Pool 9-10 interest, 7000 balance: 350Amazon Credit Card interest free: 200 minimum payment 25, 200 required to pay off in promotional periodTotal budgeted bills that I am making with no issue: 3725 or 47 of take home. I dont count income from freelance or child support here. The money from child support is essentially spent -- after a year of debating priorities wife likes to travel, I do not, we agreed she could have the 400mo to travel and do as she wants with it.The rest of the money gets spent on hobbies, food, entertainment, shopping, etc.Basically Im looking for a direction here. I know Im supposed to have a savings of some sort. I know Im supposed to be investing. I know Im supposed to be doing extra for my retirement. I dont know how or what, though. What I have been doing is targetting some of those monthly bills. I like to purchase tools on my Amazon CC interest free. The last time I paid off the card I took the 250 monthly payment from it and put it towards the PITA time share that I hate so much. It will be paid off next month. Then I plan on taking the 250 120 time share payment and putting it towards my signature loan, which is the next highest interest bill. The current 200mo Amazon bill will get added in here as well at some point, but thats not for another 10 months or so. I dont know if I should stop after the pool or attack my student loan at 5.5 interest, or even go further after that and hit our cartruck loans at 3.25-4.25.  <response>: The rest of the money gets spent on hobbies, food, entertainment, shopping, etc.The direction I would recommend is to account for the other 50 of your income every month. Cutting that back and then build up your savings. You need more than 1200 with 3700month expenses. Look to build that up to 10k at least. Once that is done, spend that money on your debt from highest to lowest interest. 