<prompt> Human: First off, thanks for taking the time to look! Second, I apologize for the length, but its semi-therapeutic just to get this all out.nbsp;BackgroundIm 27 years old, own my car, single, no kids, with a Business degree.After working an average of 45hrswk during high-school and community college, and saving what I thought was a decent chunk of money, I decided that I didnt want to work while I finished the final 2 years of my degree. I moved out of my parents house in a VERY high priced area to a very reasonable city close to my new school and hunkered down for a lot of studying.While I tried to be as frugal as possible, 2 years is a long time and I wasnt as good at budgeting as I had thought. Also, while very fun and beneficial, my year of studying abroad didnt help the wallet. Thanks to the ease of Student Loans and Credit Cards, I was able to accomplish what I set out to do but definitely with a price I knew I would be dealing with for a while.I graduated about a year and a half ago but failed to line up a job right out of college. I moved home to live rent-free CCard min payments tho while trying to start my life and figure out how I was going to tackle this mountain of debt. At the 6 month mark with no job, the student loan repayments started to come and I needed to make some money fast. This is when I turned to the Gig Economy such as Uber and got stuck. I rolled into a depression that stemmed from my debt and lack of job in the sector that I worked so hard for. Ultimately, because I could barely get myself to leave the house, I dont put much time into working or consequently paying down my debts.As of now, Im getting some help from a therapist and trying to take the steps to straighten things out. This comes from the fact that relationships have gotten a little tense at home because I have not found a job. The parents think I am just being lazy and have no motivation to find a job, but they dont understand EVERYTHING thats going on with me and have requested that I move out.Since there is no possible way of affording anything in this area Im planning to move back to my college town where it is cheap and I have a much larger professional network that might help me land a position.nbsp;Student Loans ---------2,674 4.293,321 4.295,356 4.663,050 4.665,438 3.8619,839 TOTALI am currently on the graduated repayment plan. I pay 120mo right now, but that is guaranteed to go up above 300 at some point unknown.nbsp;Credit Cards Min Pymt---------10,780 20.55 4052,783 17.49 40720 0 intro 2514,283 TOTAL 470I did some research and have read that I can call my credit card company that has a high-interest rate and ask them to work with me and lower it to allow me to make more than just the minimum monthly payment. Is this possible in my situation? Or do I have to have non-payments on my account for the CC company to see that I cant make payments?nbsp;Roth IRAI have roughly 23k locked up in a Roth IRA that I opened when I turned 18. Ive made less than 10k in post-tax contributions working on getting an exact number and the majority of growth has come from very aggressive stocks suck as Apple and Tesla. The plan for this account has always been less of a long-term retirement account and more of a place to park my money until I am able to purchase my first home. Up to 10k worth of growth allowed to be withdrawn for first-time home purchases without penalties iirc Also, I have no issues partially liquidating this account if it makes sense to use it to pay off my CC debt as long as I still have enough for my 3.5 down for FHA.nbsp;HomeSince I am moving out of my rent-free place, from an investment standpoint, I find it VERY wasteful to pay rent haha, rich coming from me. In the area Im moving to rent would be about 600mo.The plan for my first home has always been to purchase a multi-family dwelling dutriplex using an FHA loan and my Roth IRA withdrawals. Live in one unit, use the rest to cover my mortgageexpenses and potentially live rent free while building equity in something that could provide for me long into retirement.350,000 property with the potential of 2kmo in rental income.Unfortunately, with my lack of long-term employment, it would be impossible to qualify on my own. I believe someone in my family would be willing to step-up and help my qualify by co-signing, but obviously, nothing is for sure.nbsp;OtherMy credit score is just south of 700.My only other expenses are insurance 50mo, and gas which correlates with how much I work I dont leave the house much if its not for work.Earning Potential: When I can get myself to try, it is relatively easy to make 3kmo. Or, about 20hr.nbsp;Thanks again for reading all this. Let me know if any more info would be helpful.  <response>: First off, forget about buying a house right now. You need to get out of debt and get stable employment before considering a home purchase. its semi-therapeutic just to get this all out; ...Im getting some help from a therapistAbsolutely... for sure... keep talking to people. I was in your exact position 10 years ago, and its totally possible for you to turn things around. You can do this! I have a much larger professional network that might help me land a positionInterpersonal networking is the key to success, especially in business. You may also want to tap into the alumni association for your b-school, or do an advanced search on LinkedIn to look for professionals that graduated from your school that currently hold executive positions and reach out to them for some mentorship. I can call my credit card company that has a high-interest rate and ask them to work with me and lower itYes, do this. do I have to have non-payments on my account for the CC company to see that I cant make paymentsDo NOT deliberately miss payments to paint the picture of desperation to your CC company. The plan for this account has always been less of a long-term retirement account and more of a place to park my moneyYoure totally missing the point of an IRA. Its a retirement account by definition. I would not withdraw. I would encourage you to invest your Roth money in more conservative securities right now given your instability. Consider an index fund. 