<prompt> Human: So Im a young adult making about 500 a month and I have no idea how to keep my head above water. I have a 70 phone bill each month, a car insurance bill of 1000 every 6 months, and rent of 400 every month. I really want to get ahead and stop worrying about everyday expenses every week.  <response>: Are you working full time? You have an income problem. 500 a month is ok if youre a teenager or a student, but if you are trying to live on your own you need to at least triple that. What is your education background? Can you take night classes at a CC? Trade school? 