<prompt> Human: I am 27, 3 years out of college, with a good job, using my ME degree. I am about 20,000 in student loan debt, 5,500 in credit card debt, a truck payment, and a mortgage. About 5 weeks ago, I had a life changing event happen to me, where I was scammed out of my last 600.00, through a cash deal. I had zero savings, and nothing to fall back on. Luckily I had paid my bills that week already.Shortly after I ran across a thread on here about YNAB. I read about it, did a search, read all of the success stories. Downloaded a trial, and watched the videos. After about 3 weeks, I made the YNAB purchase. I have ALWAYS paid my bills on time, usually 1 week early since graduation, but I never seemed to make any traction on getting out of debt, I only seemed to accrue more debt. After finding YNAB, I realized I had not been budgeting at all, even though I thought I was.In the 4 weeks of using YNAB, I have been able to feel like I have started taking control of my finances. I have managed to save up a 1,000 emergency fund, and began paying myself 3 of all of my income Richest Man in Babylon says to go 10, but I am not to that point yet. I will also be enrolling into my companies 401k plan. In doing this, I have noticed almost no change in my social life, and going out with friends.This month alone, I managed to save the emergency fund, pay an extra 250 on my debt, and I am now 2 weeks ahead on my bills!Thank you YNAB, and Reddit for all of the information and posts to read, to help me get back on track. I still have a LONG road ahead of me, but I now have the feeling that I can do it, and be debt free, other than my mortgage, in 3-4 years, if not sooner. For anybody looking into YNAB, take the plunge, and give the trial a try! Also, read the book, The Richest Man In Babylon, and read the thread, I have X, what should I do with it?. These 3 items have been life changing for me, and I hope that by adding another success story, they can help somebody else out.  <response>: For anybody looking into YNAB, take the plunge, and give the trial a try! Also, read the book, The Richest Man In Babylon, and read the thread, I have X, what should I do with it?. ...Pro tip: If you think you have a special situation, you probably dont. Read I Have X ... What Do I Do With It?! If you still think you have a special situation, its very helpful to ask questions that demonstrate how you feel your situation is different from I Have X ... What Do I Do With It?! and why. This signals to people who respond that youve actually put some thought into your post, and will more than likely garner a more useful response. 