text:  and another seven in credit card debt, and I owe five to a family member. And so my question is, I'm trying to figure out the best way to go about once I get to Baby Step 2, because I'm going to be finishing Baby Step 1 next month. And then in August, I'm going to start tackling the debt. My car has about 250,000 miles, and I use my car right now to make a living.