<prompt> Human: Just got a new job 30Kyr. I have 17K of credit card debt 18 - 20. Expenses are low so I should be able to pay off all my credit card debt in 2 years. Employer will match up to 6 of my 401K contributions after 6 months, so I plan to put at least 6 into my 401K at that time to get the full match. The question is, for the next 6 months, should I go ahead and contribute 6 non-matched to my 401K anyway, or would I be better off using that cash to pay off my credit card debt faster? Thanks for the advice.  <response>: Pay the credit card debt off. Doing so is essentially getting you an instant, risk-free 18-20 return on your money, something that no other other investment outside of getting your employers matching funds can beat. 