<prompt> Human: I owe 3,000 on a motorcycle which is easy on gas and fun. 15,000 on a credit card. I have nothing in savings and usually have about 200At the end of the month. How can I best utilize the money and begin saving for retirement?Id like to have some spending cash for a trip to the beach or a new computer but want to stay realistic in my goals.Edit:the credit card debt came from unexpected expenses including repairs on my daily driver. I am an older college student and not completely inept when it comes to finances but the debt is the culmination of four years of putting it off.  <response>: I would say put pay off 15,000 credit card ASAP, put 5,000 in savings and pay the motorcycle off as normal. If you had more in savings, I would say pay off the motorcycle as well, but since you dont have much saved, I would say put 5,000 towards your emergency fund. 