<prompt> Human: Well, like the title states I am going to be 32 on Sunday and Im really unhappy with the state of my finances. I dont have any money in savings, and usually end up spending my paychecks as I get them. Im not proud of it at all guys, just being honest. Not sure if Im just not looking forward to turning 32 or if its a combination of that and my finances but I woke up today just feeling depressed about money and the position Ive put myself in. I almost feel like I need someone to have complete control of my money and give me an allowance and that is embarrassing as hell. Ill break it down as best I can below...I make 51,500year I contribute 38.46 from every paycheck to my 401k employer matchesBringing home 1311.94 every two weeksRent: 300Car payment: 320 I owe right around 10,000 still on thisGas: 90Utilities: 225Tax debt: 35 this is almost gone, but honestly I dont know exactly how much is left until the next statement I get in the mailStudent Loan: 92 I owe 3998.11Cellphone: 121Capital One card: 94 min, but I usually pay 200 on it since I sold my Harley recently. I owe 3673.48 total.Car insurance: 101.48iTunes music: 9.99I think thats everything, I know this is probably silly coming from an adult but Im desperate for help.  <response>: Youre a perfect candidate for Plan on spending an hour setting up a comprehensive budget, linking accounts, adding goals .. 