<prompt> Human: Back story: I have always had CC debt. Most of it about 15K was on a card with a really low rate prime 1 or something, right now it is about 4.5. So it didnt seem like that big of a deal, because the rate was so low.Recently we had some extra expenses, my wife uses her card for a small at home business, and other factors have really upped our total cc debt. So much so that it scared me about 44k in January.That being said I have a good job, and I have had it for about 13 years, so we can make all of our payments, but just barely. When a bonus from work or tax return comes in I put most of that to the CCs I have lowered the total CC debt to 39k as of now.I have about 150k in my 401K, and am currently contributing 11 to it company matches between 50-100 up to the first 7 contributed.If I change my 401k contribution to 0, that would give me almost 800mo to put to CC debt. I figure that I could pay off the CC debt in 3-4 years, and then I would up the 401k contribution to the max.Is this a good idea? Or should I leave the 401K contributions as is it actually increases 1 each year automatically, and pay off the CC debt the old fashioned way, by cutting expenses?Some more info, I have a wife who stays at home with our three kids.I guess Im looking for information to decide if it pays to stop contributing to the 401k for a while, to get out of debt, or if the 401k will pay off in the long run because of the time value of money, and the company match?  <response>: I would not leave free money on the table in the form of my employers match. 7 is a very generous match.I would reduce your 401k contribution to 7, then take the rest and use it to pay off the debt. 