trystero,Congratulations on getting started! Put my vote next to all the others:1) Take the free money. Put just enough into 401k's to get the full company match. But don't let this stop you from aggresive debt reduction.2) Pay off the credit card debt first, especially if it has a double digit interest rate (doesn't it always?) If you are looking at multi-year payoff's, consider debt consolidation--it might be worthwhile.3) Then build your safety cushion and start maxing out those 401k's and IRA's. Do review your decisions with your CPA. Developing a relationship with a good CPA is a life-time investment. To minimize his time, write it all down carefully before you meet. Even if you don't know bean-speak it will help.Stay the course, it's worth the effort.cheers,GW
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