<prompt> Human: Some background. Im 25, I make 38k a year wo bonusing- Im looking at a promotion in 6months that will get me to 58k a year that Im confident Ill get . I rent an apartment and my portion of the rent is 700. I save maybe 120 a month in my savings account, contribute 6 of my pay to my traditional 401k, zero student debt and I also support groceries for myself and my girlfriend that lives with me. I have a credit score of 670 because of my dumb years of 18-23 and credit card debt. I have roughly 8k left in credit debt with an average annual rate of 18. After I drill down my monthly budgets groceries, rent, gas, 100 payments to 3 ccs, cell phone, insurance I have just over 500 that I have to spend. Lately Ive been thinking of investing in a mutual fund or a few specific stocks so I have something I could use in the future I want to build a strong trust or not have my children have student debt. But after rewriting out my monthly budget Im wondering if itd be a better idea to use the 500 plus any other additional funds I run into to just pay off my cc debt and be over it. I want to buy a home in ten yrs, I also dont want it take 40yrs to pay it off because I get a crappy rate. My question. Is which would be more beneficial? Get my debt out of my way or start another fund for my future and my future childrens.  <response>: You have to pay the credit card debt off asap. Investing the money will not make as much money as you are going to spend on interest. 