<prompt> Human: Im a 32 year old female in Phoenix just getting out of a relationship that spanned my entire adulthood. I make roughly 1,300 a month after taxes insurance currently. I applied for a government dispatch job, interviewed tested well enough to be a top candidate, just have to do background, polygraph psych aka its possible that my start date, if I pass, wouldnt be until January, though it could be sooner. That would bring in roughly 2,500 after taxes so I could be a functional adult in the near future.So right now at 1,300 net. We do get quarterly bonuses and those average about 300-500.I have a Roth IRA 401k through my current employer, roughly 10,000 in there between both even though I know its a bad idea, I am half tempted to withdraw that and face the penalty. My employer doesnt really match anything I put in, they just do a yearly deposit from 5-10 of my income based on how well the company does.My car payment is 350 for 3 more years. 11,000 balance. 4 interest.I have a student loan payment of 74month. 1300 left on that. Interest is about 3.Credit card debt, 0 apr for another 10 months. 5,500.Phone bill is 30. I already paid my car insurance premium for 6 months. Its 260 for 6 months.I think Im joking myself to think I can afford to rent a studio apartment for roughly 650 100 in utilities. I have tried finding roommates the only non-creepy hits I got were roughly the same as the studio I found am interested in.My credit score fluctuates between 740 and 760. I have credit available to the tune of about 20,000 over various cards.My parents have offered me, with Im sure some sort of emotional blackmail, to stay in their RV for a bit while I get my shit together. Im sure this is the financially responsible thing to do but mentally its terrifying.Assuming I take the offer of free housing vs ruining my credit becoming broke af for at least a few months how fast can I pay down everything? How should I be spreading my income? Id like to start saving too, as I dont have a savings account that yields interest. I would also like to budget some sanity saving funds, maybe 200 a month for nights out or day trips. I should probably budget therapy too. Ideally I would only be under my parents fist through the end of 2018.Please help. Thank you in advance.  <response>: OP swallow your pride and take the help for you parents. This is survival mode your in. 