<prompt> Human: Update: Just wanted to thank everyone for taking their time to give me advice. I only ask on here because my parents are both deceased and they were the ones who usually assisted me with this! Thanks everyone! I will consult with my credit card company tonight to pay the amount in full additionally, I will be taking the time to meet with a financial adviser at my credit union to discuss my options for the IRA 401k consolidationSince graduating college, I have felt the need and pressure to make more money. Now that my student payments are no longer in the grace period the need to make more money is really sinking in. Right now, with my job I am able to pay all of my bills, have enough money to go out gas, groceries and go out for dinner 2-3 times a week and save about 60 of my earnings. I guess, where I am trying to get at, is am I doing enough? I am 26 just graduated from a state school a bout 6 months ago. Currently this is what I have Saved. IRA I have about 25k 401k I have about 15k my savings I have about 20k with an interest rate of 0.10. Quite honestly, I dont even know what 0.10 is when translated to percentagebold In terms of debt - Student Loans - 14kCredit Card Debit - 10k I have considered looking for a second job. But I dont know where to start. Any ideas on how I can bring in more income? Anyone have ideas on making extra money? Anything I can do with my money to make it grow? My 401k and my IRAs are separate obviously but I have considered combing them and placing it all with my credit union. Would that be a financially smart move?  <response>: Use your savings to pay off your credit card debt and itll feel like you got a raise. 