<prompt> Human: Hello,I am new to the professional world. I have a job with a meaningful salary and benefits. I also have debt in the form of school and personal loans, credit card debt, and a car loan. I have been making all payments on time at amounts usually above minimum. I am also contributing to a retirement account that my employer matches dollar for dollar when I contribute the maximum match threshold at 5 of salary. I am wondering if I should delay my contributions for the next year so that I can pay off all high interest credit card debt and some of the mid interest rate private loan debt in order to safeguard against unforeseen events. I know that losing out on the match is a loss that can not be recouped, but I am concerned with the aforementioned debt. It is not deferable like my government school loans and I am wondering if the risk of holding this is greater than the return of my current contributions and employer match. I have looked over a flowchart that was very informative, but my dilemma still remains.Flowchart:  <response>: The employer match is a 100 return on your contribution. 