Wow, you need to work that debt down quickly. If it's student loan debt, that will cost you about 7% interest per year. So, plan on doing hair, dancing and whatever for the next 12-18 months and getting that paid off. Then, take the spare money you have once you are done paying down that debt and get on a savings plan. Put at least 3 months (better six months) worth of expenses in a savings account, called your emergency fund. Don't touch that money, except in an emergency. Then, start investing in a good S&P 500 fund that has low expenses. You'll grow rich over time.
Budget, budget, and stick to that budget. Write it down and live it. You can also open a SEP, it's like a retirement plan for single employ businesses. Designed for hair dressers. Invest the maximum in your SEP. Then start saving to buy a car with cash. Never borrow money if you don't have to. And then, only borrow money if you can afford it, if it's for your primary house, and then keep your payment, including insurance, taxes, HOA, principal and interest below 25% of your take home pay. Pay it off early. There is no real secret to building wealth other than discipline.
HTH
Z




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