<prompt> Human: Hey PF, I have a single male, 27, who is making 16 an hour at a non profit, with a 4 raise coming in January as I move into quality management. My company pays my dental, health, and vision, and offers a contribution of 10 of my salary into my 401k each year. I have not contributed to my 401k because I have no idea what I am doing, however they have been contributing the 10 regardless so I have a few thousand dollars in there.I am 27 years old, single, and have the following debt6,000 on a vehicle,5500 left in student loansabout 4000 in odds and ends - things from being a teenager utilty bills, old bank accounts I over draftedMy paycheck every two weeks is around 1000take home, with an additional 300 a month paid out because I drive once a week to another office. I live with a friend who I help around the house in exchange for living rent free.My bills areCar payment 171.12Phone - 50Insurance- 152Netflix 11.99 groceries - 250ishi want to get out of debt completely, and establish some solid credit history, however anytime I think about it I feel overwhelmed and just buy things I dont need video games, eating out a few times a week.should I throw more money onto my debts? should I contribute to my 401k? Money is such an emotional deal for me because I grew up in filth and had no money and as an adult I have a tendency to compensate for that by buying cloths and expensive haircuts and working out excessively and acting like I have more money than I do. sorry for the rant, just feel lost.  <response>: you are placing a priority on video games and eating out over saving for retirement and paying bills...kinda backwards.stop spending on non-essentials, pay off all your debt, then start saving 15 of your paycheck into your 401k or Roth IRA. 