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I'm sorry you've gotten condescending and/or arrogant replies here. Sometimes the internet doesn't carry harsh messages well - sometimes the message really was too harsh(thus arrogant/condescending).

Anyway - my opinion is to pay off the plastic first.
I understand doing the 401k thing - I did that when I had some plastic as well - but it probably wasn't the BEST thing to do.

1. debt
2. emergency fund
3. invest

That's the theory here. And I'm sticking to it :)

Best of luck! With incomes like that - 20k shouldn't take too long! I've seen some posts on the CC board that talk of 60K in CC debt and I don't think the income was that high.

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