<prompt> Human: EDIT3: Thank you all SO MUCH for your replies already!! Im getting exactly the kind of help and perspective I was hoping to find here. I am currently feeling much less panicky about my situation, and I am extraordinarily grateful to all of you for that. I will be revising this post tomorrow to condense everything and post a detailed budget. Also, thank you very much to everyone who pointed out that I accidentally posted with my main account on here. I have deleted the post, but I guess it goes to show just how debilitating mentally this kind of stress can be. EDIT2: I will be back tonight or early tomorrow to condense this whole thing and post a detailed budget. Being able to put in text was like pulling an emotional anchor through an ocean of molasses, so thank you for bearing with me, double thank you for everyone who has already waded through this and written advice, and triple thank you to the excellent mod team.This is a throwaway because my situation is unique enough that people might recognize it. Long story ahead, Ill try my best to be brief.Back in 2012 I was working a job in the Midwest Id been at for 4 years, making 80k. Good benefits, matching 8 for 401k, which I contributed to faithfully. My situation seemed stable enough that Id bought a house in 2010 for 120,000. Mortgage of 1000 including escrow, taxes and everything. Everything was looking great. Then it all went to shit.Right before my daughter was born I was laid off in late 2012. Things rapidly went from bad to worse: Lost entire 15000 in savings to Cobra payments and paying bills, maxed out credit cards and accrued some debt with hospitals for what Cobra wouldnt cover. Couldnt find a job anywhere in state, was told I was either overqualified or grossly underqualified. Right before unemployment ran out, finally got a job in mid 2013 working in the next state over, with 2 hour commute each way. Making 70k, most of which was eaten up by bills, paying off debt, and gas. Moved myself to a temporary I thought apartment living with a buddy in the same state as my job to save money on gas. During this time my wife decided she might want to be my ex. I got laid off early 2014. Became suicidal, and didnt have enough money or willpower to visit home, where there were no jobs anyway. No savings, unemployment barely covering essentials. Bills went unpaid. Went to therapy, got on medication, and worked my ass off to find a job. It paid off. The week before my unemployment ran out again and I was contemplating bankruptcy, I got another job in 2014, this time making 100k. Wife filed for divorce. I think she was just waiting until I had a job again. Everything went to bills, paying down debt, getting current with mortgage and essential utilities, and paying for the divorce over 18000. 2015 divorce was finalized, and with my bills paid and debts current, I got a personal loan for 4500 to fix up the house which was now empty because ex had moved back to live with her parents. I paid several contractors to do work and contracted a realtor, who I believe colluded to bilk me out of some money. There were several things that never got completed tough to monitor from another state, and now the money was all spent. Im not going to pretend like Im a genius with my money, but what really sucked is that I thought by late 2015 I was doing okay. Even with a mortgage for the old house, rent for my new place, bills for both, child support, alimony, and paying down debt, I was doing okay. Until I found out that, inexplicably, the finance department of my work had listed me as having 6 allowances, when I specifically requested 2. Also, I got hit with a huge tax bill from one of the previous cities Id moved to because my prior employer didnt take out for city taxes. Suddenly I owed over 10000 in taxes. I work out a deal to pay off my taxes in increments, work really hard to get my budget and spending under control, suffered a few more serious financial setbacks car accidents, major repairs to the house from wind damage, etc. and this brings me to today. Oh yeah, and I apparently havent been contributing to my 401k since 2012 because my middle job didnt offer it and my current jobs finances department fucked up that paperwork too. The personpeople I suspect responsible have been let go, but that doesnt help me much My employer will not match contributions, no idea why.Whew. Okay. Heres my situation today: I have enough to cover my expenses. I have no extended family all dead or living on the other side of the country and strangers to me, and no friends in a position to help financially. I have 500 in savings. Im way behind in my 401k 25k when Im told it should be at least 40k-50k I have 1200 in credit card and loan debt. I still owe 100k on the house. House still needs 5k-10k of work in order to be sellable. Barring additional tragedy, I can afford all my bills with maybe 500mo to put away starting from this month.Heres my tentative plan: Im going to keep 250 in savings in case of additional expenses, the rest is going to pay off debt, credit card first. If I have more, mores going to pay off the debt. I should be paid off in 4 months or sooner. Im then going to ask for another personal loan and get my house fixed up. Im then going to hopefully sell it before the year is out. Next up, pay off the personal loan within 6 months if at all possible. By mid 2018, I hope to be in a place to devote half the money that was supporting the house to my 401k, and the other half to rebuilding emergency fund 500-600mo to each Heres where I dont know what to do next. Its going to take me a year at this rate to get even one months worth of emergency fund saved up, and Ill still be way behind on my 401k. What should be my plan of attack come mid-2019? What canshould I do in the meantime to expedite my plan? Where are there areas of savings I havent looked to? Im at maybe 75-85 efficiency with my budget, so Im sure there are places where I can trim up and cheap out to save money. Thank you for reading all this and for any help you can give. I included the long backstory to curb the inevitable questions about If youre making 100k why the hell are you having problems that Ive gotten from other people Ive tried to talk to.Edits: formatting and spelling.  <response>: Ignoring the lengthy shit youve been through and focusing solely on your current situation... things dont seem that fucked. Ignore the fact that you feel like youre behind in saving for retirement. Youve got other pressing matters at hand... like getting rid of that house and your credit card debt - which is minimal. If you get your finances in order and your debt is gone, youve got YEARS to really dig in and focus on retirement. Once your debt and house are gone, contribute to your 401k up to the match, then fully fund a roth, then increase your 401k contributions. Nothing is fucked here, dude. 