<prompt> Human: So, I have an upcoming Christmas Bonus not guaranteed, but it has been consistent the past 3 years and the company is doing well. Im torn. I would to max out my IRA for 2014, but I also have about 9K in credit card debt that I want to take care of.The credit card debit has been going down gradually, about 500-1000 a month, but Id like to pay it off sooner than later. A good portion of it is on a currently 0 card, but Id still like it payed off sooner rather than later.However, if I dont max out my IRA with this bonus, I likely wont be able to max it out for 2014. I could try to do it with my tax return, but I dont know how much that will be for.  <response>: Pay off the credit card, I say. Put out the fire before rebuilding the house. 