In FL, I was unemployed for a little over 5 months so had to take care of bills on my own (didn’t qualify for unemployment b/c I quit). Right before I got my first paycheck almost 2 months ago, I had about 3k in credit card debt. Going away slowly but ugh
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Bad, aka not good. When I was 27, I had no credit card debt and about $20,000 in savings. I don't say that to brag, I feel I was behind in terms of where I should have been in earnings, savings, and financial stability.
At 27 you should be very close to enough money to put down as a deposit on a home, regardless of if you have plans to purchase your own home or not.
If you are paying interest on your credit card debt, it makes no sense to keep that balance if you can pay it off with your savings. I'm guessing your savings account yields less than 1% interest if any interest at all, and your credit card probably charges over 15% interest and likely over 20%, compounded monthly. Time to buckle down, seek overtime, get rid of that debt, it's like an actively bleeding wound, but instead of blood, you are hemorrhaging money.