 Do you have any cash right now, anything in savings? I got about $100. So step one, we've got to get a buffer between you and life, and that's going to be a starter emergency fund of $1,000. And we're going to get that as quickly as possible. We're talking a few weeks here. Then we're going to move on to the debt snowball, which is where we pay off all the debt, smallest to largest, regardless of the interest rate.