<prompt> Human: After temping for 3-4 years and barely scraping by on 13,000 a year, I lucked out and landed my dream job, and now make 100,000. I grew up lower-middle class with parents who had financial troubles, so we never really had money, let alone money to saveinvest. I dont know where to start. I have 7K in credit card debt, and 90,000 in student loans, so Im obviously throwing every spare dime onto those to try to pay them off ASAP. Im also struggling with feeling like I can indulge myself for the first time ever, so extra cash is just running through my fingers like water. Since I didnt grow up with money, I dont understand budgeting, or savings, or anything about money management. Where would you recommend I begin?  <response>: Do a happy dance!!CC bills are a big priority, and not going crazy. But I think you might want to invest maybe a couple hundred bucks in some new work clothes if this is a different type of office atmosphere to what you had before. No need to go anywhere super pricey, Ive always liked Kohls for office attire.Budgeting, I actually like using excel and figuring it all out, its more hands on and then there are no magic formulas. People like mint, too though.Max out your 401k and start a Roth IRA. Congrats! 