<prompt> Human: My workplace offers 401K but with no matching. I recently learned that, I should still max it out.I also have 25k debt, mostly in credit card. Right now I am aggressively paying off my debt and hopefully Ill be debt free in 12-18 months.Should I wait to become worthless before directing my contributions to 401K or should I start putting some money in 401K and lower my monthly payments towards credit card loan?  <response>: With 25K in credit card debt I would tell you to stop contributing to the 401K even WITH employer matching.You should pay off your debt. Figure everything else out later. 