<prompt> Human: Im 27 years old. I just got a new job and will be moving to a new city next month. I will be making 35k more per year than I make now and Im going to use that money to try and completely clear my credit card debt, lower my student loan debt and build that 3-month savings buffer, of which I currently have 0. My new company does not offer 401k matching, which is why I feel like I could do this. I wouldnt be losing any free money. I have always put away money before with previous companies that matched. So I do have some saved up there. Would it set me back a lot to take a year or two off from contributing anything towards my retirement?  <response>: Yes, it will set you back, but the debt is hurting you, too. Id suggest that its worth delaying 401k to pay off any high-interest debt say 6, which would include CC debt, but Id contribute to 401k before paying extra on low-interest debt. 