<prompt> Human: For those of you who saw my post yesterday, I deleted it in favor of this much simpler version.My fiancee and I are in our late 20s and have decent paying jobs after being students for years. Ive read through this sub and the FAQ extensively, and I understand the individual concepts, but I am still having trouble figuring out exactly how to combine and prioritize debt payments and retirement savings. Debt: Credit Cards: Balance Interest Rate ------ 4,400 0 promo rate until 32016 3,400 15.24 Student Loans: Status Grace ends Amount Total interest before capitalization ---:--::--::--: Grace 62015 56,500 5,340 In school 122015 95,700 11,680 IncomeSavings: 2015 income: 112k 2016 and beyond: 145-150k Emergency fund: funded Additional cash on hand: 3k Monthly budget surplus: 1800 Questions:1. Should we maximize payments on the 15.24 credit card or reduce capitalized student loan interest as much as we can? 2. Is it smart to open an 2014 IRA with the 3k cash on hand? Would an extra year of contributions compounded over 50 years be a better return than using the cash on other debt?3. Is funding a 2015 IRA reasonable with student loans and credit card debt?4. Ifwhen we open IRAs, is it better to go traditional or Roth? We will only be under the Roth income limits for 5 or 6 years, but starting in 2016 my fiancee and I will have 401ks profit sharing only, no match , so we may make too much to take the deduction on a traditional. Thanks so much in advance! We really appreciate any help!  <response>: You didnt list the interest rates on your student loans, but I can say pretty safely.. pay off the 15.24 credit card first. Make sure you have enough money to pay off the 0 credit card before it ends looks like you make plenty, so no problem.For me personally, I would put 10 in 401k and the remainder towards loans. If your 401k has poor funds ie high expense ratios, max the IRA first. Also my personal opinion, I like traditional IRA under the thought that my taxes will go down in retirement might retire early and live relatively frugally, also in a low-ish COL area. That may or may not be the best option for you. Hopefully that helps! 