<prompt> Human: My debts have been starting to accumulate with a relatively bad case of the hyper-consumeritis with 400month in gas, a Thule roof rack system, and a recent vacation. Recently, I listened to the audio-book version of The Total Money Make Over and am stopping the spending on credit unless necessary 3 cashback on gas and 6 cashback on groceries. I am starting to try the debt snowball method but there isnt much extra cash to put toward a given item listed below. A thought that came to mind was to take out enough money from my investment portfolio to pay the debts, which will allow me to allocate 20 of salary toward retirement right now Im contributing 9, and make the full 6-month emergency fund, etc. Heres a rundown of my debts:Age: 24Salary: 36,000year 1,800month take-homeNon-retirement portfolio portion: 30,000Car Loan: 17,312 3.9 325.26monthCC 1: 0.00 18.99 0monthCC 2: 1,600 0.0 540monthStudent Loan 1: 8,256.38 6.0 min. 115month, paying 120Student Loan 2: 6,757.85 6.55 93.02month - unchangeableI have little take-home pay after these expenses, and Im feeling overwhelmed. To try to make this more manageable, I have cut some month expenses:Retirement: -130monthGym Membership: -15monthIm slightly nervous to do so due to missing compound interest, but would it be a good idea to pay off the big debts with the non-retirement part of my portfolio?Edit: Update 111111 - CC 1 paid off, now focusing on the 2nd!  <response>: Given your Age, I would go ahead and pay off the debts. There will be lots more time to investments. Once you are Debt free, you can start putting one back in. Plus it should make it easy to buy most of what you want in Cash. 