<prompt> Human: At 24 years of age I started my career in July 2014 with the automotive industry. I will be receiving a 10K check in March, my base salary is 60Kyear and with overtime Im looking at 90Kyear. Lets say I make 100kyear, full benefits, with company stock funds401K. As of today, I have about 10K saved up in a savings account. 35K in student loan debt and 10K in delinquent credit card collections debt. I currently drive a clunker and Im renting a 2 bedroom apartment in the suburbs. I would like to purchase a newer car and a condo in the near future but my credit history is whack. Ive come up nearly 200 points within the past year or two but the delinquencies are a strain. With that being said, Im indecisive on what I should be putting my money towards. My options are:1. Pay off outstanding debts2. Pay cash for a new car3. Open a brokerage account andor IRA4. Keep saving for a mortgage down payment5. ???  <response>: Throw some cash into emergency savings 3 months of expenses and pay down your delinquent debt. 