<prompt> Human: My husband and I recently inherited 20k and we want to make sure we are being smart with our money and where we put it to maximize the efficiency of each dollar. Overall, wed like to fix our credit scores we are both in the low 600 range poor credit decisions combined with a run of bad luck, eventually buy a house hes active duty military if it matters, and pay off our debts save money. Our financial situation is as follows: Name Balance Interest Rate PaymentAffirm 783.36 24.000 121.86Ford 15,022.62 0.000 429.21Genesis 2,425.00 0.000 6months150.00Navy Federal 3,861.90 13.990 79.00Sentra 12,679.60 14.990 334.88Southwest Card 3,511.84 24.000 500 - then 80month CARD CLOSEDMonthly recurring bills avg:Electric - 150 Water - 90 Amazon - 12Spotify - 10Google Email - 30 Spectrum - 60We have about 3k to put towards all of our expenses per month. Thanks for the help! :  <response>: Table a little scrambled on mobile here but it sure seems you have some high interest rate items. Surely best move is to knock those out to lower your net interest paid as well as get those monkeys off your back and breathe a lot easier 