<prompt> Human: Hello... Ill keep this short and simple.. I am a 23 year old recent grad with a degree in chemical engineering. I have recently relocated to the Bay Area for a new job.I have debt. A LOT. But, I have a fairly good paying job. this is basically where my money is going right now:Monthly income: 8960Rent: 2555Cable, utilities, insurance: 700Student Loans: 2000 per monthConsumer credit debt: 15K I pay around 1K per monthFood, restaurants, bars: 700 per monthCar and car insurance: 950 per monthSavings: 500 per monthInvestments: 500 per monthMy main question is... should I stop saving and investing, and put that money towards my consumer credit card debt? the interest rate is 23  <response>: If I must be honest... youre making a good amount of money but also spending way too much on things that you may not need. Sure everything balances out now but this sub is just full of stories of people who could afford things that they cant anymore many cases of oil field workers losing jobs recently. There are no more permanent jobs, especially in financial and tech Im guessing given your user name.My advice? Trim your expenses ASAP. Pay off credit card ASAP. Then tackle student loan. After that, see if you can unwind your rent or car leaseloan. 