<prompt> Human: Income: 55K Account type: Roth 401K Employer matches 0.50 up to 8 Debt: Student loan 36K at 7, CC debt 3K at 16Hello all, I was reading many posts on this subreddit and realized that I certainly need to improve my personal finance. I do have a good grasp on my situation, but Im not sure what to do first. Here are the 3 things that I want to make done: 1. 401K selection: I recently got my first job. Im about to set up my 401K account while Im a little overwhelmed as this is quite new to me. I would like to get some advice on selecting funds. How do you know what funds to pick and how much to put in each fund? Here are my 401k options: 2. Paying off debt: Its a shame to say but I have 39k debt in total. During a job search, I worked part-time but had to pay few expenses with a credit card. That remains unpaid yet. 3. Building up emergency fund: I want to build an emergency fund. Im willing to work at this problem and taking control of my finances. Can you help me to determine what to do? What is the best way to distribute my income from the list above?  <response>: Most people here are saying to pay CC off first, Id beg to differ. Pay yourself first, contribute to your 401k up to 8 since youre getting an automatic free 50 return right off the bat. then pay off CC as quickly as possible 