<prompt> Human: 1. Can I transfer my current credit card debt to another card with 0 interest for 12 months with the same bank or do I need to switch. How should I go about it? My plan is to pay this off first. 2. Should I start to pump 500 a month into a Roth IRA or should I put all remaining income sans rent, utilities, food, phone, miscellaneous, emergency fund towards my student loans first? Additional details: Mo. rentutilities 1500, phone 90, neflixspotifytreehouse 50. Fooddrink can vary. Travel minimally.  <response>: Put the entire raise towards the debt and then save it when you are done paying off debt. Or decide how many years of lifestyle creep you want to trade for years of early retirement. 