It’s unlikely that Uber or Lyft are going to save you money. If your trying to save money buy a $5000 car.

As someone who is completely debt free, house and everything, you need to use a pair of scissors to cutup your credit card, use your savings to pay it off, and then aggressively save up 3-6 months of expenses in an emergency fund. If you are contributing to investments, retirement, or 401k then you need to stop that…