re: What to pay off first?

Well thats what it is. Im not an expert just like the next young adult may not be.

The APR on the card is 19.99%.
As far as my 401k, from my understanding we're allowed to contribute up to 13%. I'll need to dig in deeper for the level of understanding that you own. But overall i contribute about $200 to 401k and $80 to roth

Like i said in another post, sometimes you make dumb decisions or decisions that you think you can handle. When i purchased the car my interest rate was 6.9%. Yeah i know thats high

I already do a monthly budget. Have since beginning of last year at least.

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The APR on the card is 19.99%.

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For the record, that is absurdly high. Just simplifying things a little bit (ignoring slowly reducing balance throughout the year), think about it this way: you have $12,600 in credit card debt. You'll pay over $2,500 in interest on this in a year.

If you can transfer to a 0% card, that $2,500 that you would pay to interest would go directly to the outstanding balance.

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As far as my 401k, from my understanding we're allowed to contribute up to 13%. I'll need to dig in deeper for the level of understanding that you own. But overall i contribute about $200 to 401k and $80 to roth

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$200 to 401k per paycheck? Do you get paid weekly? If so, and that's 13% of your paycheck, you're grossing $80k/year.

You're doing well income wise. As someone else said, you have a spending problem.

It'll suck for a minute, but take the steps I outlined previously (and everyone else is recommending) and knock this shite out of your life. You'll free up a shite load of money per month, then you can start knocking hard on the student loans. Imagine your life with no student loan payment, no car note, no credit card payments. What could you do with that money to create wealth for yourself????

I know Dave Ramsey gets beat on here at Money Talk. But, he has a great saying: "Live like no one else, so that later, you can live like no one else." Make the sacrifices now, invest in your future, and reap the rewards later in life.

Everyone in here is being pretty harsh, but it's for a good reason.

You need to sell your car and buy something with cash (or as close as you can come, supplemented with the smallest car note possible).

You need to stop contributing to your 401k. You're making what, 12% per year? You are giving all of that away plus some with your high interest credit cards and inflated payment on an old, always depreciating car.

It's a great goal to have a paid off car, but a paid off 10 year old Audi will probably need the equivalent of a car note in repairs. Get something cheaper/newer/less miles and it will help every other aspect of your finances.

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Long story short, few things in life happened and now my boat has holes with ducktape.

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You probably didn't intend it to come off as an excuse, but everything up to now is irrelevant. Make the changes everyone has recommended, and it will get cleaned up faster than you think.

I would like to point that the 0% interest card will help, but use it as a tool in conjunction with other major changes, otherwise you will still be in this position when the promo period runs out.

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sell the car. take whats left after paying off the loan and buy a car for cash with the portion thats left. right there you will have $550+ month to put on the credit card. pay off the on with the highest interest rate

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This dude is underwater. I highly doubt that he can get out from under the cE with any cash to purchase a new, and likely will have to come out of pocket to cover the difference.

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would like to point that the 0% interest card will help

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I doubt he can get abother card with a 0% interest intro offer.

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This dude is underwater

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Well thanks sir. Trying to float. Sometimes shite happens and you find yourself in situations you weren't expecting.

I know

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Well you're somewhat being a dick but basically the $80 is the interest charged monthly. I haven't looked at the percentage rate.

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I'm not trying to be a dick, but the percentage rate is how much it costs you to borrow. It is much more important than your monthly income/outgo.

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Contributing 13% into 401k (which i believe is the max and no company matching).

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Sigh. The max can be googled very easily. Get serious about your financial future.

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move to the Ft worth burbs or something. You need to free up as much cash flow as possible.

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I’ll throw him this bone:

He is getting a very average rate for the Fort Worth area.

I was paying that in rent on the outer ring before civilization drops off. There are pockets of cheaper, but they aren’t common, and half of them are in bad areas.

Roommate could possibly help, but you’d be surprised how much they get away pricing it in. You’ll save, but not much. If you can afford the “loan” till your income tax return, buying in the DFW area is significantly cheaper than renting. Mortgage on two bedroom, new construction houses can be half that of rent of one bedroom apartment.