<prompt> Human: Im 27 years old and want to have a pretty secure net if I should ever loose my job or something drastic comes up.I have about 7,000 in credit card debt.I get paid about 10 an hour biweekly with an average of 32 hours a week.Every paycheck I automatically put 25 in my Saving Account with APY of 0.85.Also every paycheck I invest 75 in my companys stock which matches 15 up to 1800 every year.Im investing 3 of my check to 401K at work, which they match Dollar for Dollar up to 6.I usually dont go to the doctor but I contribute 5 every check to my HSA account.Using Qapital App for savings using the 52 week rule up to 1378 per year.Also using Acorns Investing App to automatically pull 60 a month with aggressive profile.Edit: I think Ill follow all the advice on ditching the apps. This shed alot of light for me. Thanks to all the great replies.  <response>: It doesnt make much sense to put money into an account that gets you, for example - 4, when another may ding you 8. That would still be a 4 loss on the debt. The 5 into the HSA account, while tax free, isnt doing much for you. Plus you have to be sick in order to use it AND healthcare bills are interest free, so you can pay back 20k bill 15 a paycheck for the rest of your life. How much is the interest rate on the CC? Go to and put extra money towards the debt. Still put money into the 401k, but thats it. Do you have anything in your emergency savings, incase you lose your job? Thats top priority along with paying off the debt. Everything you are doing is ass backwards. Because if youre out a job or need cash, do you really want to take the penalty hit from depleting your investments? Wont make much sense. 