<prompt> Human: So I currently have just over 5,400k out of a 12,500 limit on my CC. I have a job with pension that takes out 7 of my pay pretax. In addition to that I take out an additional 7 to put into a non-matched 401k. I can change that percentage whenever I want. Would it be smarter to lower or eliminate my additional 7 to help pay off CC and then just readjust it back? I can only afford to pay down a few hundred a month as it stands. Thanks in advance!  <response>: Yea you need to pay off high interest debt before saving for retirement except for company matching funds. Cut your contribution until youre debt free. 