<prompt> Human: Title pretty much sums it up. JOB: 100-120k a year salary plus commission. DEBT: Car is valued at 44K. I owe 30k on a car at 6.5. I recently got a refi quote to cut the APR down to 3.2. I drive every day for work so this is the most important tool that I have.CREDIT CARDS: I owe about 5K on limits totalling 38k so 13 credit usage. 3k of that is on a new 0apr cardCREDIT SCORE: Im floating around 690-710 between the bureaus. Short credit history is the main reason. SAVINGS: Cash on hand, 2K. Dont yell at me, Ive paid off a ton of debt.INVESTMENTS: Between the Roth and 401 K I have 24K. Currently withholding 15. Company match of 5.Current expenses are rent 2400month car 766month and other misc totalling another 950 month. I am taking care of parents and a brother. No one else contributes.I appreciate the kind and constructive criticismsupportEDIT: What Im hoping for is to figure out long term strategy. What do I need to do now, to get myself in the best position to buy a home. The 650k is median in San Diego. I was already pre-qualified for that amount, I just dont feel ready obviouslyAssistant: Why do you have so much credit card debt? This typically indicates a history of living beyond your means, so the advice youre going to get here is to get your budgeting in order and figure out where you are overspending. Are you planning on wanting a home in the medium range in your title? IMO thats not feasible with your salary at present, but regardless you need to get out of this debt hole before even considering purchasing a home. Remember that cost of home ownership isnt just your mortgage. You have to budget for repairs and upkeep beyond the monthly payments, which is very difficult when you are cash poor. You mention that the car is a tool. It is also clearly a luxury given the price and how much you owe on it. When you say it is valued at 44k, does that mean you could get that in a private sale today? If so Id strongly consider doing that and buying a more reasonably priced car in cash with the proceeds. 766month goes a long way to wiping out that debt, and after that saving for a down payment.EDIT: I see you mentioned you were pre qualified for a 650k mortgage. Do NOT take this to mean you can reasonably afford that. Banks will regularly prequalify people for absurdly high amounts, which leads to many people being house rich and cash poor, effectively living paycheck to paycheck.Human: Okay so I have 5k credit card, 30k car debt. That 766 is my car payment. I can wipe out the credit card debt in 3 months without struggleAssistant: Then why did you get the debt in the first place?I understand the 766 is the car payment, thats why I suggested selling the car and eliminating that payment. Especially if you can really get 44k for it while only owing 30k.Human: I was unemployed for a bit, and still had to support a household. Ive paid off a lot of debt already and like I said, this last 5k CC debt will be cleared out very quickly.Assistant: Okay, and what about the car? I honestly think you should reconsider your priorities, since youre currently spending almost 10k a year for the privelege of driving an expensive car. It doesnt seem like the best use of money for someone who wants to be buying a home in southern California with your income.I guess what I am getting at is that you cant have your cake and eat it too. You mostly likely can afford something in the 500k range eventually _if_ you are willing to be frugal elsewhere. The car is the most obvious area where you could apply frugality.Human: Not an amazing answer but I work with a certain caliber of client. I consult and work with Drs all day and often have to transport them to meetings, etc. My dad is going through chemo and I need the SUV space to transport the wheelchair, stuff weekly. I cant really get away with a compact car. So my reasoning is that if I refi the car, its now not unreasonable. Either lower payments or lower time to pay it off.  <response>: Then Im really not sure what advice you are looking for. Your expenses are very high for your income, but you seem to indicate they are all non negotiable. Im guessing if I asked you would say that your rent cant be reasonably made lower either?Theres no cleverness to saving for a down payment. The lower your expenses are relative to your net income, the faster you can make it happen. 