<prompt> Human: Hello rpersonalfinance! Im a 20 year old college student. I make just over 10k a year and I have 1,600 in credit card debt and I have 600 saved. 4 months ago I had 2400 in credit card debt and nothing saved. I wasnt very smart with money before then. So my question is should I focus more on paying off my credit card debt or saving money? Or find a nice mix of the two? I dont use my credit cards to pay for anything anymore. I know these are really small numbers compared to some of the other posts here but they are significant to me so I am wondering. Thank toy so much in advance!  <response>: Assuming the credit card debt has a high interest rate, pay it off first, then build savings. Worst case, something happens and you have to put it on credit, but at least youre not paying the interest until then. 