No. of Recommendations: 2
Pay into the TSP to get the max in matching funds and no further.

Pay off the credit cards. I'm guessing your rate is 15-18%. There is no guaranteed investment return that will beat that. Pay the credit cards.

Establish an emergency fund. At least 3 months of living expenses preferable 6 months. You can do it as bare minimum living (i.e. no cable HD channels, no eating out, no gym membership) or living needs and wants.

You might also want to consider disability insurance. What happens if next week you're hit by a bus and need 2 years to rehab. Or can't fully rehab and you can work but not doing what you're doing now.

Then fully fund your Roth.

Once you get to that point, ask for further advice.

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