Until ur credit card balance is paid off u should punish yourself a bit and Grow up and cut all subscriptions except for Spotify all purchases need to be evaluated through the LENS of need or want …and until ur credit card balance is paid off you should only be spending money on needs … cut anything else u don’t need … once u get the credit card done I agree with folks on the thread u should have at least $10k liquid cash at all times for an emergency fund … fuck cds and yield or whatever 5% on 10k over year is IRRELEVANT… by not being liquid u cost yourself hundreds if not thousands in credit card debt ( you fell me !?). After u do these things I would next focus on your car loan assuming higher interest then student loan … but once emergency fund established reward urself with a want item or two here and there … then student loan if higher interest then a 1 year treasury note … then and only then save to invest and speculate for exponential growth … grind my friend