<prompt> Human: Hello,Here is my background:Age 27Salary 80k 10k on property profits rentals15k cash checking8 cash savings70k in stocks 401k, ROTH, brokerage Roth max every yearDebt:7.5k wedding ring - 11 interest20k car - 4.5 interestThe debt is on 2 different credit cards. I have never had debt before except student loans that I paid off within a yyear after college. My question: What should I do? I feel as if 11 is a lot to pay in interest. I would NEVER pay minimum but am thinking about just paying off the ring 100 and just focusing on car with 500month payment. Does this sound like a good idea? edit: I originally financed the ring bc I could get 50,000 miles with AA if I spent the money credit card deal. Goal was the pay off ring ASAP - I havent made any payments yet on it. Looks like Ill be paying this ring off NOW. Then focusing all my efforts on the car. Thank you guys.  <response>: 7.5k wedding ring - 11 interestWow. Yeah step one is pay that off immediately. You should have never financed a piece of jewelry in the first place, and especially not at 11. 