<prompt> Human: I gross about 30K and have cc debt of less that 3K, along with a student loan with 15.5K remaining. Both are low interest below 4 but keep me from being able to move forward very quickly. With budgeting, Im saving about 200mo, and have a cash reserve of about 5K at the present. When asking a friend, who is a financial adviser by profession, about ways to get ahead, he suggested the following: 1 turn off 401k savings temporarily and use that money to take care of the cc debt. 2 Once the cc is dead, move money that was paying down that debt and eliminate the SallieMae loan. 3 Make more money. I enjoy my job, in spite of its meager earnings good bennies, but need more dough. He suggested getting a part-time job, if even for a year, to get more cash to attack that debt. 4 once loan is paid off, resume saving, but me more aggressive. What do you, the faceless masses of the internet, think of these suggestions?EDIT: Company matches retirement at 5.  <response>: Responding to each point: - Cutting off retirement savings: if your employer offers matching funds, I would put in the minimum to get the full match and put the rest towards the debt, because in essence its free money. Otherwise good advice. - Debt order: I think your CC debt has higher than 4 interest - Ive never heard of a card that had an APR less than 9. Anyways, its always financially optimal to pay debt off high interest to low interest. - More money: there are only two ways to save more money: spend less, or earn more.Overall, your friend gave you good advice. Just be mindful if, after you pay your debt off, he tries to sell you on whole life insurance or high-expense mutual funds. 