<prompt> Human: Hi, I really need your help. I graduated from undergrad two years ago and have 30K in student loan debt which are in deferment until June 2018. I bought my first car in November 2016; 2012 Honda Civic with 22K miles on it. Having a reliable, new-to-me, car has drastically changed my quality of life. I put 5k down and financed 12,929 at 16.7. Sometimes, I make deliveries and home visits for my full-time job and having a car is almost necessary where I live. My commute to work is 13 minutes by car and 45min-1hr by public transportation.I started my non-profit 9-5 in December 2016. It pays me 2k a month after taxes, benefits and my FHA plan. My FSA is 200 a month. The pay sucks, but the benefitsclientsflexibility keep me there. Im looking for two additional part-time jobs. Im currently applying for a personal care assistant position. Ive also applied to Starbucks and Target. I hope these two jobs combined will bring in an additional 1500. I live with my grandmother and care for her. I dont pay for any living expenses besides debt and personal expenses. My plan is to have my student debt paid off by May 2019. My car paid off by January 2021. Heres where my moneys going right now: Student debt: 1,200 a month in a money market account Car payment: 373.89 on autopayCar Insurance: 367 My credit sucks! Ugh. Its a 560 right now. I have collection accounts with Sprint, ATT and T Mobile.150 for a personal trainer I didnt pay.40 for a book I lost?Medical debt from 2012 thats about 500 for an emergency visit before I had Obamacare. Ive been taking steps towards being entirely debt free. I canceled my contract with Sprint and bought a pay-as-you-go phone. Deactivated all of my social media because it was making me want to spend. I had serious FOMO while being on social media and a lot of my spending was going through looking the part of someone I wanted to people to think of me as. Im committed to working towards my best life home ownership, debt-free, poppin credit score, overall quality of life. This is a decision I made that isnt financial but definitely impacting my choices already. My ultimate life goal is to have a 750 credit score before I buy my first property at 30. I want to be entirely debt free and have 100,000 saved up for a downpayment on my first property and 20,000 for an emergency fund and furnishing my new place.How do I accomplish my life goals? Help me live my best life!!!  <response>: You dont make enough money. Period.You want 120K for a down payment and emergency fund, and to absolve yourself of debts totaling 34K. You take home 2Kmonth, and while you hope to make 3.5Kmonth its not guaranteed until you sign the paperwork so lets assume it doesnt exist.For simplicity, Im going to assume you do a lump payment and that youre not paying interest. This is unrealistic, but its easier to take in so take it for what it is.In 5 years you need to make approximately 154K to cover your downpayment, emergency fund, and debts. If your insurance is monthly, then that adds another 22.5K. Your goal is now 174.5K.At 2kmonth, youll make 120K in those five years. This isnt even taking into account the interest youll be paying on your various loans.Quite simply: The math doesnt add up. You do not make enough money. If you dont switch jobs to something that brings home more each month and allows you to live a bearable life then this goal is not something you can realistically achieve. This isnt somebody on the internet being mean to you - its somebody on the internet being truthful so you dont start wishfully thinking itll all work out without a serious change. 