<prompt> Human: Okay heres my situation Card debt 1340Card debt 2000Card debt 1500Refund 5,000Savings 5,000Roth IRA 500 dollars Mural fund zero ! How should I split up this refund. I wanted to put 2000 in savings and the rest towards debt. Or would it be best used buying a mural fund.  <response>: It would be best to payoff all the credit card debt first assuming they are high interest rates. 