<prompt> Human: I have a 70k salary with about 3500 take home per month Canadian so my taxes are high plus I am part of a union so have dues each month to pay and extra health benefits through work. Im currently about 18,000 in debt - half from a student line of credit and half from my Visa card. I am also trying to save in a high risk RRSP and a TFSA 100month for each, plus an account that I refer to as Fake Savings, which is what I use to save up for trips, big purchases, etc. which I try to put about 420 a month in. I am 30 and have been working full time for 3 years meaning I have at least 27 years to go before I can retire ouch. My question is this: Should I pause my RRSP TFSA saving in favour of paying down my debt faster? Or should I continue chipping away at everything at the same time? I currently use EveryDollar to track my budgeting but I dont love it. Any advice would be helpful!  <response>: This is easy kill the entirety of the fake savings account and put it towards the debt. 420 per month will take 42 months to pay down the whole thing minus whatever youve already accrued in that account.Youve probably been living beyond your means time to pay the piper. 