<prompt> Human: I just turned 26, and I currently have 11.5k in credit card debt at 0 for the next 15 months. I racked up this credit card debt during college and I have been doing multiple balance transfers over the past couple of years while paying it down. With rising interest rates im not sure how much longer those offers will be around. I currently make around 55k per year. I am currently contributing 20 before any employer contribution. The reason I am contributing such a high percentage is because I switched jobs 1.5 years ago and I wanted my current take home pay to be the same, so the pay increase I got I essentially am putting in 401k. I have around 500 every two weeks after all bills, not including food and gas. 43k between all of my retirement accounts. 41k in Savings. 20k in federal student loans.50k condo mortgage valued at 56.7kLowes CC bal at 5.99 until paid off bal 3.6k7k auto loan at 2.55So, should I stop contributing to my retirement until I have my credit cards paid off? Mixture of both? Thank you for your advice!  <response>: why do you have 41k in savings when youre carrying debt? pay off the lowes credit card and set up auto payments to get your balance on the 0 card PIF by the time it ends. No need to reduce your retirement contributions. use the money sitting in savings. then you can work on replacing it. Or you can reduce your retirement contributions slightly to help with replacing, but Id try not to. 