<prompt> Human: I am so excited to announce that I am paying off my car in a few weeks a few months early, too!. Im looking for some advice on what to do with the money. Its about 380month Ill be saving. I have some credit card debt 3k that Id clearly like to get rid of. However, I also want to start a retirement fund and save some money. Should I break it up evenly and throw some in each place? Should I pay off CCs first then move on? Im really bad at budgeting and just recently started actually sticking to a plan, so I want to make the most of this money I wont have to use on my car any longer. Thanks, PF! EDIT: Thank you so much for the help everyone! Looks like CC will be the first thing to go, then tackle other things.  <response>: put everything towards the credit cardnever carry a balance on a credit card unless you absolutely must in an emergency 