<prompt> Human: I have about 6k in credit card debt . I am wondering if I should start focusing on investing, like an IRA account or focus more on paying off the debt. Or should I do both ? Any tips?  <response>: Its hard for me to imagine a reason why you wouldnt pay off the CC first. Odds are youre paying well over 10 interest per year, and there is no investment that will pay even a small fraction of that without risk. 