<prompt> Human: Hello, 29 year old male, making about 70K a year or so.My paychecks are about 1,600-1,800 depending on how much OT I work. I get paid bi-weekly.My monthly bills:I pay about 1,600 in rent each month. My car insurance is about 100 a month. I do not have a car payment, I do not have a cell phone payment.I have 700 on a AMEX CC, I cannot seem to get my finances in order enough to pay this off, and am late on it multiple times. Need the best help in trying to get rid of this, as I do not have any savings I can pull from.Has anyone ever emptied out their 401K? Assistant: How has no one addressed the fact that you have around 1,800 per month of unaccounted expenses? What else are you spending your money on? The only two expenses you listed sum up to 1,700 per month and you take home from 3,200 up to 3,600. Something is obviously wrong here and you need to sit down with excel and figure out where your money is going.First figure that out, then make a budget. You should be able to EASILY pay off the CC debt.Human: Well, I eat breakfast at home every morning. I spend on average 50 a week on lunch. And lets say dinner 3 times a week, at about 50 or so each time. So that equals 200 a month for lunch, and about 600 for dinner. I also have a hobby in which I spend about 60 a week on. So thats 240 a month. Then other odds and ends each month add up too.  <response>: And lets say dinner 3 times a week, at about 50 or so each time.Holy crap thats expensive. Stop doing that for a month or two and youll pay off the CC. 