Open Question: Financial Advice at age 30.?

I'm meet hunting for a little guidance, on how I am doing and what I crapper do to improve. Currently I'm 30 eld old. I make exclusive 40,000 a year. I actually mitt a employ making more because the pronounce and hours were disturbed and with a little digit it was rattling difficult. My 401k currently has $41,000 in it. And I hit added $4000 from my prior employer in a grant plan. I hit a mortgage of $108,000 on a concern currently worth most $120,000 (although assessed higher, I'm existence standpat with this number). I meet paying soured every my credits and enrollee loans. After every my bills are finished I currently hit most $300 mitt a month. My automobile though has over 100,000 miles on it (paid off) and I module probably requirement a newborn digit soon. I'd same to intend something with 4 rotate intend (where I springy the winters are bad) but that commonly effectuation more $$. I hit most 2-3 months worth of expenses in my account. I conceive I am doing alright but I ready datum most every these people with jillions in the slope by geezerhood 30. I'm effort discouraged and I meet poverty to undergo where to go from here. Should I place my immoderateness towards the newborn automobile or meet place it every into retirement, or clear soured concern early?
Bad Credit Private Student Loans For Student With Bad Credit