<prompt> Human: Ill cut to the chase. My income with a 2nd job is around 72K, take home pay is close to 4600 and expenses including gas, etc is around 3000 a month. A couple of issues here, 1 In 30K CC debt, however, my credit is great and I have 0 promos until at least Feb 2017 2 I have 1k in savings but have a chronic illness which one day may keep me out of work for around 6 months. Majority of the debt is contributed to job losses and not having an emergency fund 3I currently contribute 2 to my 401k with no match. Part of me wants to blow thru this credit card debt in 2 years or so, but 2 years with not much in savings can be a slippery slope. Do I contribute 10 to savings and the rest towards the debt or any other ideas?  <response>: 1. That 2 retirement is better spent on the emergency in front of you. Employer match should always be taken but without match, I wouldnt be contributing until your situation is stable. Having a comfortable retirement in 40 years means nothing if youre homeless in 10. 2. I dont give a damn what your APR is or how necessary those expenses were. 30 k in debt is a huge emergency. You need to start preparing now. This is your second biggest emergency. 3. Your first biggest emergency is your E-fund...or lack of one. 1000 isnt enough. A 6 month e-fund is probably less important than credit debt right now, but you need at least 3 months worth. It may not sound like it makes financial sense but it can really get disheartening to make 2000 in credit card payments only to have a 1500 car repair undo all that work. An emergency fund will help you stay the course with fewer distractions. I would cancel the 401k contributions for now, throw every extra dollar into your emergency fund until it hits 5k enough for one major disaster like a blown transmission and then at 5k, switch and go full force into that credit debt. 