<prompt> Human: Ok, so im a 32 year old divorced father with a 3 yr old, joint custody with child support every month. I have a bachelors degree in biology with no current student loan debt or credit card debt, and around 1600 in medical bills. My car is paid off and I live with my girlfriend in a 600 a month apt. I lost my 25k a year job recently and have been trying to find a better career all while my gf has kept me up. Nurse 65k a yr. with a champagne taste and beer wallet with over 25k in credit card debt and 4k in student loan debt. Her car is paid off as well and we have been living barely month to month on her income. Goal? To be married to this girl, debt free and being able to save for both college and retirement. The plan: my education is too old for any PA program or master programs without having to go back and spend money on school I recently got accepted into nursing school which starts in July of this year. This career is one that I know is short 2 years and one that can help the effort of getting on track. This particular school is expensive putting the needed loans at around 45k total trust me when I say its all that I could get into and at this point im running out of time. Ive never taken out a student loan and understand that with the inability to get financial aid due to having a bachelors ill have to do a personal loan sallie mae I recently got a 10hr full time job to help save some money to put towards some expenses coming up like tires, brakes an engagement ring within reasonable limits depending on my school schedule ill have to dump the job in around 3 months or keep it if I can do it and school. Any advice to help while grinding out the two years ? Assistant: How did you end up in a 25k job that you lost when you are college educated? I have no degree and left 25k behind when I was 24. Treat this woman right. She sees something in you that is not evident in the rest of your post.Take out the loans. Change your trajectory. Human: How did you end up in a 25k job that you lost when you are college educated? I have no degree and left 25k behind when I was 24. Because we all dont live the same way as you? Because we are all presented different opportunities, brought up and forced into different environments? Treat this woman right. She sees something in you that is not evident in the rest of your post. Good thing a single post is not evidence of an entire lifes worth. Wtf dude? Take out the loans. Change your trajectory. Ah here we are to actual advice...and its a one liners.. for fucks sake. Actual piece of advice to OP: 1: Start focusing on a job. It doesnt matter what it is. Just go get one. 2: now you have a bit of income. You know you can survive of GF pay, so start putting money in emergency fund. 3: take courses or certifications to get a better job. You dont have to love it, but it has to have some sort of career progression. Project management, tech, or trade skills are all well paid. 4: after your savings is back up, start tackling the credit debt, and start planning a sensible wedding. 5: have wedding and pay off student loans 6: youll probably want a new job, and since youre married, probably keep saving for the eventual succubus that takes 9 months to grow, but saps your money for 22 years. Edit: took out the name calling. I stand by the rest. Assistant: Thanks, Im not sure why you were down-voted so much.  <response>: I get the whole pull yourself up by the bootstraps of the sub, but there are a whole lot of assumptions in such a small comment; And to get upvoted so much? Wtf PF, I thought it was timing is irrelevant because youre looking at the sub, so time to get better from this moment forward, heres how:. Instead the most upvoted comment is: Lol wat mate, u should be further along in life by now. Take some loans out. PS. Why is ur grl, with you?. Ugh. Im going to go smoke a bowl and chill out. 