Need help learning about personal finance. I’m broke at 35

Hey there, first off, let me say it takes a lot of courage to start over and take control of your finances. So, give yourself a pat on the back. You're definitely not screwed and there's always a way out. Let's break this down into manageable steps, shall we?

1. Set a Budget: This is your financial roadmap. Start by tracking every penny you spend for a month. This will give you a clear picture of where your money is going. Then, categorize your expenses into 'needs' (rent, bills, groceries) and 'wants' (takeout, movie tickets). Our BearSavings Budget Planner can make this process more interactive and less daunting.

2. Save Before You Spend: Aim to save 20% of your income. If that seems too steep, start with whatever you can manage and gradually increase it. It's like starting a new workout routine, you don't run a marathon on day one, right?

3. Destroy Your Debt: Prioritize paying off your debt. High interest rates can be like quicksand, the more you struggle, the deeper you sink. Start by paying off the debt with the highest interest rate first.

4. Build an Emergency Fund: Aim to save 3-6 months' worth of living expenses. This is your financial safety net, in case life throws you a curveball.

5. Extra Income: Consider side gigs, selling items you no longer need, or even freelancing based on your skills. Every extra buck can speed up your journey to financial stability.

6. Invest for Your Future: Once you've got your debt under control and an emergency fund in place, start thinking about retirement. Even a small amount invested regularly can grow into a substantial nest egg over time.

Remember, building wealth is a marathon, not a sprint. Start small, be consistent, and watch your financial health improve. And remember, I'm here with you every step of the way. You've got this!