<prompt> Human: Hi guys!TL;DR: I have quite a bit of debt 12k in cc, not to mention 50k in student loans, and two years left to pay off my car. I have not so good credit because I was going to file for bankruptcy, but stopped as my employment status got better. Im working on improving that as well. I dont pay mortgage, and most of my bills are just minimum credit card payments.Next week I officially start as a salaried employee, with all the benefits that entails! My employer matches 401k contributions up to 4.5. My question is, would I be better off skipping 401k until I pay my credit card debts, or should I max out to get the 4.5 employer match. What is most sensible, assuming I will have a moderate to good probability of not being laid off in the near future 3 yrs.Thanks guys!  <response>: A 401k match is a 100 return. Your debt is likely in the 8 range tops. Youre far better off meeting the match than contributing to your debt in the long term. 