<prompt> Human: Hi!25Fearning 50k a year. My monthly take-home pay is 2,958. Below is my current debt situation and further below are my monthly bills.REMAINING DEBT1400 IRS2480 Credit Card36k Student LoansMONTHLY BILLS700 rent I live with my older sibling500 IRS 210 Student loans276 Monthly Travel Ticket114 Cellphone bill25 min on the Credit Card, but I pay 300 each month150 GroceriesI have 33 in my savings account, no 401k, no roth IRA. My main goal for the next 15 months is to simultaneously pay off my CC and IRS debt while putting 100 a month in a Roth IRA and trying to save 10k so that I can have an emergency fund and move out of my sisters house on a fraction of that savings. Is this at all possible? Ive been raised to think that saving while you have any sort of debt is stupid and so Ive been putting all of my into paying off the IRS and my CC. I recently cut off all my subscriptions Amazon Prime, Hulu Plus, Zipcar Spotify so that Id have more toward debtsaving.  <response>: I think you have too many goals. You want to save for retirement, save up money to move out, and pay off your debts. I wouldnt worry about retirement until youve paid off the IRS and the CCs. You should have 1000 a month to throw at these debts per month. Pay the minimum on the student loan and the CC and put the rest toward the IRS. Then once the IRS is paid off put continue to pay minimums on student loans and put everything you can to the CC debt. Once that is paid off, you can consider a hybrid plan where you put a bit of money to your IRA, 401k, and save for an emergency fund while paying more than the minimums toward your student loans. The other option would be to forgo retirement planning, save a bit of an emergency fund while simultaneously aggressively paying off your student loan. But I think your immediate plan should be to take care of the IRS and CC debt. 