conversation: User (indebtannoyed): "I'm 25 years old. Annual salary is $84k/yr Earn $4000 after 401k and tax every month.\n\nMy debt is as follows:\n\nAuto loan @ 0% - $300 / mo - 10k remaining  \nMotorcycle loan @ 9% - $200 / mo - 8k remaining  \nCC 1 @ 0 % - $4700 (expires 10/2015)  \nCC 2 @ 0% - $7200 (Expires 10/2016)  \nCC 3 @ 13% - $8300  \nTotal Debt: 38k  \n\nSavings Account: $7000  \n401k - about $5000  \n\nMy expenses every month are as follows:  \nRent $700  \nUtils/Misc $300  \nCar - 300  \nBike - 200  \n\n\nI have no idea what I am doing. I've been paying the minimum on all 3 cards and I never seem to have money left over. I didn't use any of my cards but I didn't put a single dollars in to my savings account last month either and that makes me unhappy. \n\nI need a game plan or some advice. If you were me, how would you go about fixing my debt situation? I know I'm stupid and I hope to change it somehow.\n\n"
  Self: "Go buy a book called "The Total Money Makeover" by Dave Ramsey. \n\nWhat you have is a spending problem and don't know where your money is going. That is not criticism because that is actually "natural" for many people. But Dave Ramsey gets the reader focused on understanding where their money is going and, as he says, "to make sure every dollar has a purpose".\n\nHe also explains the dangers of debt that is so natural for many of us to not think about. He will tell you your "best wealth creation tool is your income" and with debt all of your wealth creation potential is leaving your checking account and going to others.\n\nRead the book and I think it will make a real difference in your life. At age 25 and making $84k a year you have GREAT potential. So clean up your current "mess" and then live the rest of your life money smart and build tremendous wealth over the rest of your life!!"
  User (indebtannoyed): "Thank you!"
  