<prompt> Human: 27 yo here...After privately selling my car, I have about 10,000 cash. I have 3,500 in Credit Card Debt, and 5,000 in student loans. I live paycheck - to - paycheck also looking into YNAB; I am expecting to get married in the next 3 years and Id like to buy a house in the next 5 years as well. I have about 1000 in retirement which should mature quickly given my employment benefits. Should I pay off the CC debt and put the rest somewhere else to make some interest if you do recommend that, where should I put the money? I do not have an emergency cushion - is that something I should set up instead of putting it in the retirement fund? Or should I prioritize the life events, first?  <response>: Please read the FAQ: I have X, what should I do with it? 