<prompt> Human: Pretty sure the only solution to my problem is: go find a second job and work two until everything is paid off and you have savings but Im going to ask anyway. I want to eventually stop renting, and have money to save for emergencies and retirement. AT this point I dont see it happening ever.So firstly, I want to say that Ive checked the 35-45? on the sidebar, and none of that applies to me so I dont know where to look for advice. From the age of 21 up until last year, I was with my ex who had control of our finances. I was not allowed to touch them, but was given about 250 a month to pay for clothes, games, and the like, so Im literally doing this for the first time since then, which is why the sidebar doesnt apply to me. I have no real estate, about 5000 in my retirement, and no idea what to do going forward. Before that, I lived with my mother and worked part time. This is the first time Ive been on my own pathetic, yes I know.Income: 2020 a month There is no advancement for my job, Id have to get a degree to find another job and I cant do thatRent: 900 850 30 cat 20 waterInsurance carrental ins: 139Car payment: 389 This has been refinanced, and its down from 465Edit for car: Let me specify, I bought this car when I was with my ex. We had been together for 14 years total and were technically a common-law married couple. We were going to pay for it together and had both our names on it, but since it was my dream car, it was mine. He had his already. He also made 65k a year and we could afford it at the time. When I left him, he at first didnt want to take his name off the car and recently he finally did so. I did not just go out and purchase a 29k car by myself because I wanted to. Im an idiot but Im not that much of an idiot.Food: 250 includes pet stuffPhone: 45Gas: 40-ishElectric: 80-100 Credit cards: 110 35, 40, 35 one of these is down to 171, other 1200, last 1242Furniture: 65 775 left on this, when I left I had just clothes and had to buy everythingInternet: 117 Verizon screwed me big time on this. Was supposed to be 75 with taxesfees everything but no matter how many times I fought, this is the only thing they would give me without charging me 350 in cancellation fee because It was already put through.Medical: 80 Now the big issue is, I am going to have student loans smack me in the face soon. Unfortunately, even though I still dont have a degree, I cant put off paying this anymore so incoming an additional 300.SO my question is, do you see any way out of this situation? I am already behind as it is, so, Im not sure what to do to make my situation any better aside from either getting a personal loan to combine whats left of my furniture and credit cards into one smaller sum and free up 100 or so. Thats all I got. Oh and to get a part time job. Other than that, Im lost. Any advice? Oh also I use YNAB now, its the only way I can keep myself from going more insane than I already am about this.Edit: Also I dont know if this is debt or planning so Ill stick it in debt for now.Edited edit: I also wanted to actually finish getting a degree, and work up to getting a bachelors, but, considering I have no money and would have to pay for it with a personal loan of some sort, I dont think its gonna happen ever but that is something Id like. Edit again: So Im going to take a loan from my 401k and pay off the ccs, and the furniture. Tomorrow Im going to go and see if I can sell my car and get what I want for it. I highly doubt it, I owe 19200 on it and this model for this year and my mileage are selling for 19800. No way will a car dealer want to buy my car for this and Im shit at private selling so Ill see what I can do about that. I dont want to be upside down going into my next car. I do actually need a car, my family lives 3 hours away and should an emergency happen I live in a high flood area I do need to be able to get out. I dont think Uber will come if the ocean swells over us. Before I go sell my car though, Im going to go talk to a credit union about joining and getting pre-approved for a really cheap car loan so I dont have to rely on the dealership for financing. I have a credit score of 665, which isnt great but it isnt bad either so I hope they will do something for me.However I do want to thank everyone for their responses, I appreciate you guys taking the time out.  <response>: The side bar does apply to you, but you need to start with 18-25 and 25-35 sections since you have never handled finances before. 