I want to see what happens when the fed decides to never cut rates even tho market pricing in some rate cuts

I don't know how much student loans you have left, but if your post tax pay is 6100 / month, I think this isn't a big deal. As long as you also have enough to max out your roth and at least match employer match at the very least, and have somewhat of an emergency fund, you seem good.

Definitely more context is needed. Do you live by yourself? Can you move back with your parents? What's your monthly bills?

Making money is highly relative to your location. If you're bringing home only, post-tax, $5600 a month in the BAY area, that's relatively low.

I'd reduce my 401k contributions to whatever % my company matches and move back in with my parents cause if you're paying rent and going out for food, entertainment, etc, you will pretty much never beat interest in any meaningful manner.

Assuming you can live with parents, I'd throw $4500 each month into the credit card bill and you can wipe everything in less than 2 years. This gives you $1100 a month to comfortably enjoy life. If you want to be really aggressive you can do $5000, but that's totally up to you.

If you can't live with parents, I'd invite roommates to live you (assuming you're living alone) and cut out ALL eating out. Only go grocery shopping, buy generic brands for EVERYTHING, etc. I'd go out twice a month (every other week), so I don't go insane.

It's gonna be hard and suck, but your future self in 5 years will thank you. Nothing good comes in life without some sort of sacrifice. You can change your financial outcome in 2 years (assuming you can live with your parents, if not maybe another year longer). You got this.