<prompt> Human: Yesterday I accepted my first salary management position in the hospitality industry. This is a huge step and Im really excited about it! Ill be making 28,085 a year with a pay raise every six months or so. My car loan is 16,999 with me paying 258month with a 3.75 interest. My student loans are at 35,000 with a various 4-8 interest. I also have one medical bill that is 278. I have a two credit cards one is a 750 limit. The other I just got has a 300 limit. I also have an Edwards jones account that has about 789 in it but I can only transfer 80 into my bank account. I dont have any savings at the moment because Ive been living paycheck to paycheck which sucks. My wife and I will be living with her grandparents rent and utilities free until we can get enough together to buy a decent house or to rent something for a while. The only other bill I will have to pay is my wife and Is phone bill which comes out to 200 which Im going to try to get lowered and my car insurance which has been about 200 the last few months. Any advice would be greatly appreciated!Assistant: Congrats on your job!!Human: Thanks and your advice will help! do you have an idea of what percentage I should be putting back of each paycheck? And do you think its possible that I could be getting into a house within 6 months maybe sooner?  <response>: You have no savings, a low paying job, and debt that is over double your annual salary. You arent even close to being able to afford a home. Youre overextended on your car. A home is a long ways away. 