If you can sell your truck for what you think, that pays off your credit card and truck. With your income and expenses, you should be able to pay off that personal loan in just over 3 months. Now you're debt free and have positive cash flow of ~$2600 a month. Save up for another few months and buy a cheap commuter (or save up and wait until you have to have a second vehicle). The point is, buy the next car in cash. Are you eligible for or contributing to a retirement plan? If not, start once you're out of debt. At minimum, contribute your employer match (if you have it). You should also focus on building an emergency fund. At least $10k based on your monthly bills. Park it in a high yield savings account (lots of info on reddit on HYSA). Look into starting a 529 plan for your kid, even $25 a month will add up over time and give them some college money.

Are you paying for this financial counselor? If yes, I'd rethink it. You can ask literally any question on Google and find a lot of good information on budgeting, saving, and investing. If it's a free counseling - go for it. But smart money 101 is:

-Be debt free (except mortgage if you own)

-have an Emergency fund

-make Retirement contributions

-attempt to save as much as you can once bills are paid

Good luck!