<prompt> Human: I make decent money, but I do have a bit of CC debt that is bugging me. Is it wise to temporarily reduce the amount Im contributing to my retirement fund in order to pay the debt down more quickly? I have a 403b as well as a pension plan where I work.  <response>: If your employer is matching your contributions, continue to contribute at least up to the maximum match. Paying off a credit card is not as important as getting free money.Otherwise, I say pay down the credit card debt. Your retirement account may or may not earn significant returns in a given year, but your credit card debt is guaranteed to cost you money. Pay it off and use the money you save on interest in the future to contribute back to your retirement account. 