<prompt> Human: Hey guys. Long time lurker first time poster. I finally came to the realisation that I need help financially if I want to achieve my goals. I make 15.36 an hour at a factory. Depending on quota I work from 40 hours to 80 hours a week and I commute to work everyday. I owe approx 33k on my car. It is my dream car so as other point out it is not worth it to me to trade down or outright sell. Also owe 9k on student loans, and 2k on a bed. The bed is on a 0 intrest plan. The school loans vary between 3 to 9 interest. I live with my parents so rent and utilities are not a problem I just help them out whenever they fall short. It varies from 50 a month to 300 a month. I want to be a home owner in the next 5 years and I want to have no job within 10 to 15 years max. My credit score is about 600 up from 420 about 3 years ago. Any advice will be much appreciated. im at work right now and can provide any addition information needed as I get a chance to check my phone or later on tonight when I get home.  <response>: It is my dream car so as other point out it is not worth it to me to trade down or outright sell. Also owe 9k on student loans, and 2k on a bed. You cant afford your dream. Sorry. I want to be a home owner in the next 5 years and I want to have no job within 10 to 15 years max.No, you dont. What you want is a fancy car and to slowly pay off debt. Our real priorities are the things we spend money on. You value a nice car. People who want to retire early value saving money and investing. 