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@kamga Yes, I agree. I neglected my retirement plan for so long. I am 35 and need a plan asap. I live in California, 120 k here is not a lot imo.

@luckyrosie Understood. So right now, one card has a 2.8 k balance which is at 7 percent. Next month it will shoot up to 30 percent, that card is getting paid this month. That will leave me with only the 6.5 k CC card on zero interest. I don’t use the cards anymore. I mean I do use some cards...

@catherineone It’s gross. She doesn’t work right now. Takes care of my kid, no day care . You brought up some good suggestions that I will look to start on asap.

@dreis It’s tough out there.. rentals have gone up

@dreis Thank you

@dreis Ok so I got this shack apartment 2 beds in 2017 back then it was 1150, now it’s 1550 . Smh . But, yes compared to other areas it’s considered cheap.

@tomparkinson Yep. That’s what I do. The other cards I have I pay in full every month.

@ksmom4 Right, one will be fully paid of this month. Leaves me with one that has zero interest for the next 12 months . That one I don’t use it anymore and pay here and there . No other debt other than the student loan and the car note.

120 k yearly earnings . What should I cut? Save on? Rent $1600 (Socal ridiculously expensive), Car note , my gf pays it $600 bucks. It’s actually $500 but we put an extra $100 bucks on the loan, Water - zero included in rent, Trash - included in rent, Electricity - $50 bucks, Range gas - 35...