<prompt> Human: Im sure I will get chewed out a little here but here we go. I am currently 28 yo and making 101k a year, have 14,000 of personal debt and no savings. I have never made this much in my life, and I am about to complete my 2nd year at this salary. Mind you guys that I am coming from making about 36k a year, so I have definitely felt lifestyle creep. Here is what I currently owe:11,000 on personal credit card1,400 retail store credit card1,600 paypal creditMy monthly bills are as follows:1300 a month includes rent, utilities, cable internet etc..100 a month cell phone billThis may seem ridiculous to some people, but I really do think lifestyle creep hit me harder than many because I simply never learned how to manage my money. Eating out, going out to bars, spending on clothes, electronics, merchandise etc has not helped either. I understand frivolous spending is psychological and needs to be controlled at the mental level but what do I need to know to better my position now? What can I be doing to save money? Where can I start to educate myself better on managing my finances. Anything helps guys. Thanks in advance.side note: I bank with Navy Federal if that is of any use non-military  <response>: 1. Enroll in company 401k to maximize employer match, if applicable.2. Pay 3K per month towards debt for the next 5 months, then put 3K per month into savings account for the next 7 months after that. This will be your emergency fund. Never touch it for anything other than a dire emergency basically, unemployment.3. After step 2 is complete, increase your 401k contribution so that you will contribute 18K per year the maximum allowed.4. If you ever wish to purchase a home, begin setting aside 1,500 per month into a savings account, and never touch this for any reason other than to buy a home. 5. While completing steps 1-4, spend whatever income is left on whatever you want. 