<prompt> Human: Im 27, my fiancee is 29. Last year we moved from our hometown, got new jobs, and doubled our income. Our rent is now 6x higher than it was then, but its still only 30 of our budget. Budget might not be the right word, thoughI try to manage my money and have some idea of whats going in and out, while also paying off our credit card debt from the move.Paying off the credit cards has been ongoing for 9 months, when I first projected we could pay them off in 3 months. Weve made some large purchases and taken trips, and its starting to feel like we wont get anywhere at this rate. But we are young, and enjoying our new city life... I have about 10k left on a car loan, we both have student loans, and 4k left on the credit cards. I have 14k in a 401k from my old job, but neither of us is currently saving any money. Ive been meaning to look into an IRA for awhile... We take home a little more than 8kmonth, and rentbills totals 4kmonth. The sudden increase in income has been amazing and strange for uswe were paycheck to paycheck people for parts of the last few years, and this is the most weve ever made. Its intimidating.So honestly, how much damage are we or arent we doing right now? Is there anything we need to stop, drop and do? edit: Weve talked now and made some goals to pay off higher priority debt, and set up a budget for expenses outside rentbills. Hopefully well be able to stick to our plan and get on track.  <response>: pay off your debts THEN make those purchases with CASH 