<prompt> Human: So the beginning of this year I started a job making a decent 6 figures. I want to plan for my retirement and get myself out of debt hopefully in the next 6 to 8 months. I started doing a monthly budget and Ive got about 12,000 in an emergency fund. Ive got about 16,000 in credit card debt and Im paying 3,000 a month towards it. Should I try to pay off the credit card debt as quickly as I can or should I start putting money in an extra retirement account outside of my 401k?  <response>: Pay off credit card debt asap. Watch out for lifestyle creep. 