By the way, about this: My paycheck will be $10 less on first check of the month because of health insurance went up. My second check of the month is $27.00 less because of insurance and I put more money in the health savings account in a savings account.Has it occurred to you that if you pay off the credit cards that your cash flow will be better? You'll have extra money from not having to pay the credit card companies and you won't be pinched as much?PAY OFF THE CREDIT CARDS FIRSTIt doesn't matter what the rate is, you need to get rid of that debt to ease the crunch as more of your paycheck gets eaten up. We're talking about less than 10% of the check from the insurance company. It's a better investment than you'll get from your stock.Nancyprobably still being ignored.