<prompt> Human: Greetings rpersonalfinance,I have only the most basic knowledge of savings and budgeting and would like your help. 8 months ago I got my first well paying job, 43k per year instead of 23k per year. Since then I have put a lot of effort into paying off my credit card, which is down to the last 750 so it should be gone in a few months.Heres the situation. Im 30k in debt, mostly due to my auto loan. I have three student loans Im also paying on. My apartment costs 512 a month, car is 336, gas is about 175 - 200 per month. I make contributions to my 401k at work, 144 per month, which I believe is the max of their matching at this point in my career. After all bills, I have about 200 a month in spending money for entertainment and whatnot.In 2010 I completed Bankruptcy, so my credit is terrible right now. In 2018 it should come off my credit report.With a life expectancy of about 85 90 years, what do I need to do to retire, and live a life of leisure with room to do a little traveling each year, as quickly as possible?  <response>: Sell the car. Buy a beater. Stop the bleeding.Pay off the CC debt.Are the student loans federal? Do Income Base Repayment. If private, dont make late payments. Youd want to attack the loan with the highest interest.Youre extra 200 a month in spending money for entertainment and whatnot should go into an emergency fund until you have built up 1000. And then after that, proceed to add extra to your loan repayments until youve paid off each loan. Dont live like a hermit, but at this point you cant afford 200 for fun money.If you want to repair your credit score, you can get a provisional credit card through your local bank or credit union with a low 500 credit limit. Because youll have to promise you will pay the balance in full at the end of each month, that will help fix your credit score.If you want to retire confortably, take the number of year you plan to live in retirement - 30 years or so - and multiply that be the amount youd need to live confortably. Dont add social security because it may or may not be there. That total number is how much your retirement investment portfolio must make in order for you to retire completely, withdrawing at a reasonable rate. 