<prompt> Human: I currently work 48 hours a week for 9.75 with overtime and I just started a job with 10.50 base commission, expected 14-16 an hour after the first month. Im planning on keeping full hours at both jobs for a while in case the second doesnt pan out for some reason so I dont lose my slot, and also to pay off some debt and build up a down payment for a house.My main question is where should I be putting my money at first? Im in school and will be for about 2 more years. I only have about 12k in student loans because Ive paid 7.5k on it. I have about 11k in credit allowance with about 6k in use. I also want to build up a down payment for a house, which in this area 100k is a nice house, I expect to grab one between 90k-110k.I figure I should leave the student loans for a while since they will be on deferment for quite some time. Should I pay down my credit card debt completely and then work on a down payment? Should I work on a down payment and just pay down my credit cards little by little? Should I go about even on them?Note: My wife also works 36 hours a week as a CNA at our local hospital, midnight differential and overtime hours she makes around 750 biweekly as well when she picks up shifts. So overall we should have around 4,600 take home a month now compared to what was 3,000. Id already been paying my credit cards down, they are like 4,000 down from where they had been.  <response>: Stop mentioning you can sleep for a few hours on your Midnights. You need to work less hours or find higher pay. Having enough time to technically sleep is not the only requirement to live life. Your body wont listen to your logic. I work 60 hours a week on a rotating shift. It kills my body the first day of the week, you dont even get time to let your body adjust. You will sleep like shit. Since you will ignore that pay off high debt first. Dont worry about a house as you wont have enough time to live in it. I dont think you realize how little time you will have. You get 168 hours a week, down to 80 hours right off the top. You will sleep 56 hours, lets say 45 because of your work napsshitty to do also. So now you have 35 hours per week to do laundry, makeeat 3 meals, go shopping and maintain your sanity. Thats 5 hours a day. Assuming it takes more than 10 minutes to get from home to work you have about an hour less. Lets say you have really really shitty fast food that you make yourself. You are down to 1 hour a day of free time. You will kill yourself in 3 years. Tl:dr pay off high debt first. Find better work or work less. 88 hours a week will kill you, especially if you are averaging 12 bucks per hour, its just not worth it 