<prompt> Human: Hey Guys! First Id like to thank everyone that contributes here. Ive been lurking around for awhile and have devised a plan based on what others have postedasked. I hope to contribute back in any way I can! Im 25 years old and made stupid financial choices back in college. I completely regret the decisions Ive made and have definitely learned a valuable lesson and I am ready to be more mature and responsible. Background Back in April 2017, I injured my shoulder snowboarding and had to get surgery. I was out of work for 3-4 months. During the time of healing, I decided to stay busy and took a course in a Full Stack Web Development because I enjoyed programming during my undergraduate years. That class ends in December. I just started a new job on Aug. 28, 2017 6 days ago. Age: 25 Sex: Male Location: Kansas Salary: 60,000 Single Offers 401k w 100 matching up to 6nbsp;Debts CC1...6492.27 19.99 CC2...7315.64 13.99 Personal Loan...7315.64 17.99 Student Loans A...9,952.79 3.4 B...5543.61 3.86 C...12,858.43 4.29 D...5463.62 4.66 E...3758.67 5 F...12,982.22 6.41 G...11,074 7.21 Monthly Income Pre-Tax: 4615.40 Estimated Tax Used Online Calculator: 1348.90 Monthly Income After-Tax: 3266.50 Expenses HealthDentalVision: 56.28 HSA : 0 Company gives me 800 through incentives and I decided not to contribute until debt is taken care of FSA : 300 401k: 300 Verizon: 106.72 Groceries: 200 Spending Money: 200 Full Stack Web Development Course: 1083.33 Last payment will be in December 2017 : Health Savings Account, Flexible Savings Accountnbsp;Company provides car and pays for gas and insurance. Im staying at my moms rent free. I chose not to set up an emergency fund, even though I just recently got hurt. I know no one plans on getting hurt but I will be extremely careful and want to focus on getting out of the CC debt first. Is this smart?nbsp;My Plan Right now, Im just focusing on my personal debts and not student loans. 1. Pay off CC1 debt. 2. Pay off Personal Loan. 3. Pay off CC2 debt. Should I lower my monthly contribution to 401k? I wanted to max out the matching but was wondering if I should do that once I have my personal debt paid. My mom is willing to take out a 10,000 with 0 APR for the first year. Should I accept this to pay off the personal loans? I was thinking just to borrow 4000 to pay off the programming course which would free up 1000mo. Thanks guys!Assistant: Forget about investing until you have your debts paid off. Theres no way you could make more than those interest rates are costing you. Your mom is a gem. Instead of taking the money, ask mom to be your emergency fund. Normally I dont like using debt as an emergency fund but, in your case, that would save you a bit of time. When your programming class payments end, start putting that money toward the debits. Human: Thank you! I think I will not contribute to the 401k then. It makes the most sense. However do you mean to not invest until EVERY debt is paid or just the CC and personal loan?  <response>: You should contribute the 6 you need to get the free money from your company but not a penny more until the high interest debt is paid off.Your company match is 100, your highest debt is 19.99. You come out way ahead by taking advantage of the company match. 