<prompt> Human: I take home about 600 a week and pay off my credit card with all my extra cash. I now only use my debit card, as my credit card was primarily to take care of myself while in school. I find it really difficult to justify saving for anything retirementwedding when I have a high interest credit card. I am currently trying to refinance my student loans and transfer my credit card debt to a 0 apr for 18 months.My main monthly expenses include:Student Loans - 400Car - 350Phoneinternetutilities - 150Rent - 450FoodFun - 250Edit - my work pays 7 of my income to my retirement without any contribution from myself. No matching though.  <response>: Youre right that you should be paying off your credit card debt before anything else. Have a small emergency fund like 1000 1 months expenses, whichevers higher, and contribute anything you need to get any retirement match you might get from your employer, but other than that put everything toward the CC debt and student loans.FWIW you can get married for a grand total of about 50 at the courthouse. Getting married does not necessarily mean a big, expensive party. If thats a must for you, I would wait until you have paid off your debt and can save up the cash for it responsibly. If youre in a rush to get married, just go to the courthouse. 