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@alicoobasta You know best, but I feel like there could be a high ceiling in your field that still would allow some free time for hobbies. An unspoken truth about a lot of these trade-esque jobs is a 60+ hour workweek. Yea I'm sure that's pretty average for NY... Separate topic but might be...

@alicoobasta Don't be so hard on yourself, you're in better shape than most. Financially speaking it seems like your career is beginning to print - your investment in 'pursuing work skills' is paying off. Are you sure you'd get the same joy from your hobby if you were doing it to support...

@lizaz2112 Need some additional info: State of liquid cash/emergency fund? Interest rate on the CC? Outstanding student loan amount & interest rate? Not gonna be the answer you were hoping for... Napkin math says you'll need to throw down $100k on a $500k house to match your current rent...