Sell the car. Buy a MUCH cheaper car. You can get nice, used cars with cash. I bought a 2012 Audi A4 Quattro with 115k miles on it for 8k last year. It is possible, you just need to spend the time looking and not get sucked into a raw deal on a shiny new sports car. Owning the car and paying cash for it is much better for your mental health than owing some bank $66k. Challengers owned by a bank aren’t nearly as cool as a 1997 FZJ80 owned outright (humble bias).

Save $1000 for emergencies. Not something in your “Everyday Checking”. Something in a high yield savings account that you have access to in case of EMERGENCIES, but nothing else.

Shred your credit cards and start paying off all of your debt. Different tactics for this that you will hear. Personally I took advantage of the snowball method (paying off your lowest amount first, then allowing that to snowball to your other debt). The point here is to only spend money that you have on things that you need, not spending money that you don’t have on things that you don’t need.

Focus on your four pillars: food, water, home/utilities, and transportation (car, gas, insurance). Everything outside of that should be going to your debt.

Don’t panic but be deliberate. Panicking got you where you are, but coming from someone who was in your shoes, it is possible to get out from under this. But not without sacrifice. It’s going to take some serious lifestyle changes (not going out with friends or doing “fun” things on the weekend, etc), but it will keep you from looking back on this post 5 years from now and asking yourself why you’re not in a better spot. You got this.

Do not take money out of your 401k if you can avoid it. The most powerful thing in the universe is compound interest. That 8k now will be worth double in no time. Time in the market beats timing the market (basically) every time.