<prompt> Human: I have 16k in debt. 9,300 in credit cards, 3300 in auto loans. 3400 in student loans. I do not own a house. Still live at home with my parents. I am 25 years old.I make 732 dollars a week after taxes and 401k. I put 12. I want to buy a cheap house and pay off my debt. I know the credit cards are outrageous but some of it is medical. I have no emergency fund. I have no gameplan so to speak of. Im just looking for advice. My credit card interest is 29.99 percent, auto loan is 10. Student loans im not sure of. Please be kind. Thanks in advance for advise on how to shrink debt and buy a house.  <response>: First you need to build up a small emergency fundeven just 500, or 1kso that you will not end up in a situation where you have to pile on more credit card debt because you dont have money for an emergency. Then, pay the minimum payments on everything and throw any extra at that credit card debt and pay it off. Then, your auto loan, then your student loan assuming that has the lowest interest rate. Then youll need to up that emergency fund to cover 3-6 months of expenses. THEN it will make sense to start saving for a house down payment.To help you tackle your debt faster, make sure you are budgetinglisting all your expenses every month and tracking your purchases so you know where every cent of your money is going. Cut out everything you can while getting that credit card debt down because that interest rate is whats really going to hurt you. 