<prompt> Human: I am a first generation with parents that were frugal, but the fruit fell far from the tree. I am happy as long as I have enough money to pay the bills, eat a nice meal, and buy some cool stuff. I feel lost and hopeless about my financial future because I dont know how to do anything but spend. I recently forced myself to save 2K per month and the money sits there in a high yield savings at 1.85. Please pick apart my finances; how and where to put the money to better use; and what Im doing wrong. How much should I be allocating to my crazy high interest student loans? How do I raise my FICO score? My goal is to save for a house when the market dips here in CA. Current salary is new job of two months, and I used to make around 40K salary. Stats:Currently make 105,000 salary with side work that brings me 20-30K 1099 income. I walk away with roughly 68 of my gross6000 net income from salary. My health insurances and taxes are reflected with the net income. Student loan debt: 80K 6.8 interest. I pay the minimum or forgo payments when I can.FICO score: 640used to be 550 six months ago. Rent and utilities: 950.00month. Car and insurance: 760.00month. Credit card debt: 0Food and misc.: 800.00monthSavings: 21,000.00 in high yield savings account at 1.85. 9000.00 in 401K. I do not qualify for my companys 401K program until later this year. Assistant: You need to start paying off that student loan debt faster with this new job.Dont know what the breakdown is exactly, but your car is WAY too expensive.You need to break out foodmisc more specifically and see what you are spending money onHuman: I pay 560 for the car. Had to buy a new one because of bad credit with a co-signer at 0.9. Its hard to break down food and misc because the going out is random. My lunches and coffees are random as well with colleagues.  <response>: lunches and coffees are random as well They dont have to be. You can budget a certain amount each month for coffee and lunches and otherwise bring your own or refuse. 