<prompt> Human: You can blame debt-hating Dave Ramsey, but Ive reduced my 401k and ESPP contributions from 7 and 15 respectively to 0.My employer has a 50 match on the first 6 of the 401k plan. Most people say take it no matter what, but Ive come to the realization Im one step away from swimming in debt. Or at least by my standards. I have a credit card nearly maxed out at 11,500, 16k in car loans but Im selling the car with 10k of that, and another small 860 remaining on a loan. I just bought a house and have 255k remaining on the 4 30 year mortgage. Of course, Ill restart my retirement savings before that giant is paid off. FYI, Im 24 years old, married, and our household is earning about 100k gross annually.The theory, in my mind, is my 401k and ESPP have been averaging about 10 returns annually combined. The credit card has an interest rate of 15.65. Its a better investment to use the newly-reclaimed 22 of my income to pay off that debt than add to my 401kESPP. Once these debts excluding the house are paid off, Ill save cash, refuse to use credit, and pay off the house at a furious pace.tl;dr credit cards are expensive, im gonna pay mine off before saving before retirement.Assistant: I can understand the desire to get out of debt. Just note that you are you sacrificing a guaranteed 50 return to save 15.65.Human: Hmm. Ill think about contributing 6 to the 401k while doing this.  <response>: Dont think about this one, do! Youre leaving free money on the table. 