<prompt> Human: Hey everyone. Im in the process of coming up with a plan for money and investments. Let me give you a rundown about what I am working with and what I plan to do. Feedback would be appreciate and any guidance will be greatly appreciated. I am currently 26 yo working for a government agency in California. My annual income is about 51k per year without any overtime and a bi weekly gross pay of about 1.8k. I currently have about 1K saved up in my savings and plan saving up atleast 3K. The debts I currently have are 10k in car loans at 6 APR about 332 a month 8k in student loans at 3 APR about 83 a month 1.5k for one credit card at 18 APR minimum of 50 a month I would really like to start planning for my future and seeing what options and actions I should take to optimize the use of my money. From what I have read from the how the handle article. I should be in order saving up emergency funds, paying off debt, contributing to a 401kIRA. I skipped the part of employer contributed 401k because my employer does not have 401k and does not match on the 457 deferred comp. I believe I am supposed to pay off the credit card debt of 1.5k first since it has the highest APR, then I believe I would pay off my car and lastly the student loan. When I clear all my debts, I know I am supposed to be investing but I am stuck at this part. Should I be contributing to the 457 or should I make an IRA not sure if ROTH or traditional and max it out first before deciding to put into the 457. Any advice or suggestion will be appreciated. Thank you!  <response>: If thats your biggest problem, youre doing pretty well. The answer is probably not that important, i.e. either choice is about the same.If you want someone else to tell you what to do, make a Roth IRA. 