Everyone has given you solid advice. Pay the bills first and save. With the savings, it brings to mind an old saying. “If you do today what no one else will do, you can do tomorrow what no one else can”. One main point is not to stretch yourself so thin, that you then have to sacrifice the hobby and enjoyment of such, because you needed to force sell just to keep your head above water. And stay away from credit. Interest will whittle away your retirement. With that said, it is hard to not have fun with the money at hand. When I was younger, I once counted all my hobbies. I had 32. They seemed to rotate as I lost interest, then became interested again. However, I had a core 2-3 hobbies that I always did, and still do. My back up plan is to sell my kidneys on the black market.