You must immediately stop creating any new debt. You need to save 20% of you gross pay to invest. You need to learn to invest for yourself. Consolidate all your debts to the lowest rates possible. Repay your debts starting with the highest rate ones first. Learn to live frugally. Real estate is a good long term investment if picked wisely. It's not so much that the price real estate goes up, what really happens is the value of the dollar keeps going down.
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