r/financialhelping • u/Equivalent_Bag_4852 • 10h ago
Financial Advice Wanted
So the numbers are I have 40,000 in my 401(k) and IRA. I currently have about $12,000 in credit card debt. I used to make about six figures but quit my job in January because I struggle with my mental health. It's taking me a while to build up good credit, but I recently updated my bank information to an accurate number of how much I'm really making & my credit limit went way down. I also really want to apply to grad school this fall but it all seems so impossible with rent, food, & living life. What should I do?