<prompt> Human: Title.Homeless for the last 6 years. 25 now. Making 40k salary managing a sports centers website. How do I into not fail at life financially?So far I plan to save 10 with some sorta compound interest... are money mutuals the way to go? I mean I read a book in jail about it once. Hah.maybe 5 to an emergency fund a month?My current expenses are a cell phone at 40mo, probation at 40mo, and treatment at 240moI know I have tons of bills and etc but I dont know how to even begin knowing what bills I have.To anyone down on their life, work hard and remember anything can change at any moment. This is your story. Begin with visualizing how the last page reads. Ive tried to end my life at times because I felt so down and luckily I failed multiple times. Ive made mistake after mistake. But I learned from them. And even when I didnt have a bed, I organized my space every morning to feel like I had atleast done something for the day. CheersAssistant: First, congratulations on beginning to turn your life around. Going from homelessjailed to 40Kyear is no small feat. I know I have tons of bills and etc but I dont know how to even begin knowing what bills I have.Do you? I see 320month of current expenses based on your post. What else is on your plate?Since you were homeless, forget about investments for now. Save every red cent in your savings account. Your goal right now is to amass as much safe and accessible cash as you possibly can, to avoid ever being homeless again.Once you have established yourself at work and have a strong cushion, then youll want to investigate investments.Human: I put 1k down on a car and got arrested the next day and lost it so I know its out there somewhere. Roughly 3k loan at the time. The day I turned 18 I needed survival money and i have a few payday loans I never paid back from that time. I know I owe roughly 1200 in restitution. I owe a college 700ish. I got my license revoked and I owe about 1000. The issue is thats what I can remember. The last 6 years has been a blur  <response>: Sounds like some of that debt is almost 7 years old - probably almost 7 years delinquent. Remember that itll come off your credit report at that point and the company will probably write it down if they havent already. If you have the money and there are debts that are not nearly at the 7-year point, thats what you want to focus on.Exception to that may be debts to government agencies, etc., which may not expire or not on the same terms. 