<prompt> Human: Its only been in the last couple years that Ive been making more than 30k a year, so until very recently Ive always had a pretty hefty debt burden. Ive managed to reduce it down to 5600 for a personal loan at 3.99, and a revolving credit account for furniture with a balance of 1800 at 0 for the next 2 years or so.Ive got 10k in a traditional IRA well, a little less than that after the last couple days, and not quite 1k in my savings account. Ive budgeted 800 a month to pay off my two loans in the next 9 months, but Im trying to figure out the right steps to take to secure me financially.My employment situation is pretty secure - Im a DoD IT contractor working with virtualization technologies, but my contract is up for renewal or cancellation in August of 2016. Theres a possibility a replacement contract will be put into place, but I dont think thats something I should count on.I really want to get rid of my debt and come up with about 6k in savings which would be around 3 months of normal expenses, but I also need to worry about retirement as well. I currently contribute 50 every two weeks to my IRA, and once January rolls around Ive created a budget that will allow me to increase that to the 5500year maximum contribution limit. And this is where Im sort of lost.My company has a 401k, but there is no company match. The IRA is with Vanguard and not tied to my employment, so Im not too worried about that. Ive been advised to convert it to a Roth IRA, but if Im not mistaken Ill lose 2k of it in taxes instantly. Frankly that doesnt sit too well with me - its taken me a few years to get it to where it is now, and losing that much concerns me, even if the Roth IRA is a better long-term choice.Im at my wits end and I could really use some advice.  <response>: Baby steps man. Kill that debt by any means necessary and by all means STAY out of it. 