Yep . Meant to reply to other guy . Sentiment still stands . <| sep |> Advice ? 1 . GF stays with you even if you are in debt and have no money is a True GF . 2 . Get a second job , yes in the same day , any 20 ish guy can work 2 jobs . If the single moms out there can do 3 . you can do 2 . 3 . Work on the Weekend Best Buy , Walmart , Call Center , Mow Lawns , Shovel Snow , whatever There is a ton of ways to make money if you have the drive , if you don ' t have the drive . go find it . 4 . Don ' t mess up your credit in your 20 ' s , you ' ll really need in your 40 ' s 5 . Basically get your income up . and pay off those bills . 6 . Take into account what you do from 5 PM to 2 AM . just sayin '. 7 . Why do you have a car payment ? A 2000 car can get you around too for the time being Why do you have Spotify ? There is radio , right ? What ' s a Bed payment ? Is that a mattress you bought and had financed ? Listen , if you can pay cash for it , don ' t buy it . Anything that requires a monthly subscription , you don ' t need . I started at $ 3 . 25 hour Broke no money and married . I made it a goal to really work hard . do whatever it takesI ' m at around $ 125 hour now and still work till 2 am , all 7 days , with work family balance . You can do it . set a goal . set it deep into your core . work hard . get your income up , count your pennies meaning they too have valuehope that helps , it helped me when I had to formulate my own rules on how to be successful