<prompt> Human: No clue on what I should do with my money, dont know where I should even start. Here is the breakdown:Age: 26Relationship Status: MarriedIncome: 1,800 weekly minimum I sometimes get OTPersonal Checking: 8kPersonal Savings: 800Joint Checking:3kJoint Savings: 8kMoney Owed on 1 Credit Card: 3,267.27 no interest until May 2014, but then it goes up to 23...first ever credit cardMoney Owed for Student Loan 1: 2k with 4 interest Money Owed for Student Loan 2: 48,319.09 with fixed 6.12 and a minimum monthly payment of 343.66. under my Mothers name, Parent Plus LoanCredit Score: 727Rent: 1,875 a month, I pay 1,200 on my own, wife pays the rest.Car: Paid offMy wife makes about 50-60k per year, not taxed she pays the taxes at the end of the year. We are newly weds so come tax season we will be filing together, which make me kind of nervous since she always owes about 7k per year. One thing I know that I want to do is start my retirement fund now, and also start paying for life insurance. Other than that I dont know what to do. The goal is to one day by a house, but where I live its extremely expensive. So I guess its all about building a nest egg at this point, but dont know where to begin. Should I start an IRA, should I just focus on my debt, should I get a mutual fund? Any advice would be great. EDIT: The credit card I plan on paying off next month with some additional income I am about to receive. 7.5k to be exact.  <response>: First and foremost you need to pay off that CC debt before you run into the 23 interest. I would then make sure you have enough in your savings account to cover about 3 months of no income, should something happen. Does your employer offer 401k contributions? If not, look into getting a Vanguard Roth IRA account to begin retirement savings. Youll thank yourself by starting now. 