<prompt> Human: Currently 32, male, bartenderrestauranteur dealing with what I would consider some large debt numbers, and a low income, but I have a plan. That being said, I would like some feedback and please be gentle since youll probably not be too impressed with 1, and neither am I. 1: Owe 7000 400month payments for unemployment overpayment to WA. Yes, Im a fraudster. Practice Reddiquette!! I didnt report all my earnings when I had a part time job and it voided out a claim when I moved to San Diego from Seattle. Missed the small print. Please refrain from calling me a scumbag because I already feel terrible, and Im dealing with it. Just ready to move on from this. 2: 11,000 Visa 16 apr. This is an accumulation of owning an Audi thatI bought myself for college graduation that broke down to the tune of 1000-5000 every damn time, and a couple bouts of unemployment post college graduation refer to 1. I typically pay more than the minimum and make payments of 300-500 a month. 500 when I have extra cash.3: 5,400 on a motorcycle that will hopefully be sold by the end of this month. 200 a month, hopefully 0 soon. Ive been proactive about paying ahead to knock it down so I can just get rid of this damn thing! Suzuki GSX-R1000 I had when I lived in Sandy Eggo last year.4: 9,000 on my Chevy Tahoe, 275 a month, I typically pay 300 a month. I sold my Audi for a substantial loss to avoid paying another 4000 in maintenance see 2. I eventually named my Audi Megatron. 5: 35,000 on student loans. Been postponing these and now its time to start making payments, 300 a month. 6: Cell phone: 100month7: Car insurance: 150month8: Gym: 50monthMoney I have:1: 200 in my ETrade account. Not invested into any stocks at the moment.2: 450 in Wells Fargo Savings account.3: 400 in checking 4: 1700 invested into Acorns investment app which is awesome btw.Its been hard saving this money since Ive been on a lower than usual income waiting for this damn restaurant to take off and become profitable. That being said, Im single with no kids...and living at home rent free since I was asked to help open a new restaurant. My monthly income is 2000 and increasing as business picks up, however its taken 6 months to get it to 2K, hopefully 2500 by next month depending on how many bartending shifts I pick up instead of managing. Im used to earning closer to 4K and living on my current income is challenging with all my monthly payments. Ive been flirting with the idea of moving to Vegas and working at a resort knowing my income could potentially triple, however Id acquire the cost of moving, and increased cost of living with bills, rent, etc.So, my plan if I decide to stay here with the new restaurant living with my parents is to continue paying just over what I can while stacking cash in my Acorns investment account. As I continue to pay above the minimums and watch my debt decrease, and my savings increase in my Acorns account, Ill be able to knock out debt in large quantities once the numbers match. Which account do I start with after I sell my motorcycle?Should I consider moving to Vegas in hopes of tripling my income or should I stay put in MT with my parents in hopes that Im not working at a failing restaurant? Assistant: Stop your gym membership, and get a cheaper cell phone plan, e.g. Cricket, Ting, Republic.Human: Ive been thinking of changing from ATT. I wont get rid of my gym membership since going to the gym contributes greatly to my well being, especially my mental state. If I dont go, I have to deal with depression. :  <response>: Exercise contributes to your well being, you dont have to go to a gym to do that : Most things you can do at a gym can be done for free other ways. But I can understand if going to the gym is a psychological thing for you, in which case 50 a month is an investment in your mental health and well worth the money. 