<prompt> Human: My wife doesnt have a retirement plan through work and hasnt set up anything to date. We are both 29yr old. Unfortunately we have 29k in CC debt from some poorly lived years in our mid-20s. We are going to get back about 1200 from our tax return. What should we do with it?We are actively paying down the debt, but at the same time need to start saving for retirement. I work for the US govt and will have a pension, plus have TSP and my Roth IRA slowly growing through monthly auto-draft. Also, we already have 1k in savings for emergency fund but hope to increase that slowly tooI think use 1000 to set up a Vanguard Roth IRA Target Date fund for her, and then set it to add 50mo until we are debt free. Another option is to spend the whole amount on debt. Thoughts?TL; DR: Getting 1k from IRS, set up Roth IRA or pay CC Debt  <response>: Presuming your CC debt interest rate is 20, you are much better off paying the CC debt. 