<prompt> Human: Backstory time! At 16, parents said to hit the road. At 17, working 3 jobs and trying to get through highschool on my own school in the morning, retail during the day, Pizza hut driver in the afternoons, and mopping floors for a hospital overnight At 18, got a job working in the warehouse at the worlds largest engineeringconstruction companies. at 18.5, took a job making 60k for the same company in Australia. At 21, worked up into management and making 100kyear. I am now 22 years old and making an amazing amount of money for my age and somehow living paycheck to paycheck... I am in debt and need to know some tips on how to keep myself from spending what I have left. I have no savings other than my 401k, and no emergency fund.I put 12 in my 401kRent- 1200mBills- 700mVehicle- 975 with insuranceDebts -38k in vehicle4k to mom1k to dad5k on credit cardI make far too much money to be scraping by. I know I have obviously made some wildly stupid decisions with my money and am asking for some advice on what I need to do to get back up on my feet.Assistant: That 1000 A month car isnt helping. Holy shit thats an expensive car. I drive a pretty nice car and between my existing payments I estimate 450 a month on the car, insurance, and gas. And I drive 300 miles a week, easily. Not to sound pompous or anything, but that really puts 1000 a month into perspective.1200 rent sounds reasonable depending on where you live. Thats something you cant exactly avoid. I would make that credit card debt and that car debt a priority. Credit card debt is the worst kind of debt. Minimum payments will drag that 5k out for 30 years. Car debt is more easily solved. Sell the car and drive something more reasonable. Nothing wrong with a 20,000 car for a while. Human: The truck itself is 715m and the full coverage insurance is 240. The thousand a month isnt even calculating diesel. I would sell the truck but Im already 8k upside-down on it and just spend another 8k to put in a new transmission. Truck has 50k miles on it and the dealer I bought it from swapped the transmissions with a truck with 300k and hoped the buyer wouldnt notice. I was the buyer, and I didnt. I am so screwed on this mistake that I figure I might as well focus on paying off the upside down debt on the truck rather than taking a 16k hit and paying for something that I dont even have. The rent is expensive 1br apartment but for my area, its by far the lowest I can find. I am not even eligible to live at any of the cheaper apartments because theyre tax credit low income housing and I make too much money to live there. Thanks Obama... Soon, I may have the opportunity to move about 50 miles out further from work but completely get rid of rent altogether. I have calculated against the cost of my diesel and I will save around 1400monthI would make the credit card debt and truck debt priority but I dont have enough left over at the end of the month to make any more than the minimum payment. I need to find where I can make cuts.  <response>: Youre always going to lose money on cars. I would cut my losses and sell it and just accept it. Seems like a bad choice at the time, but after you get rid of those huge bills, you can start getting your shit back together. Ive been screwed over pretty hard in my past as well by bad car choices. It sucks, but once youre upside down theres no good way to get that money back. 