<prompt> Human: Me and my wife both 30 make around 3200month and our expenses come out to around roughly 3000month give or take if we have random misc. expenses. Our debt is:-one credit card debt of 2900 after we pay off our other credit card next week with tax refund 14-student loans totaling 77000 with one in deferment until next year. all under 6-truck payment totaling 4700 around 4-medical 1500 0I work at a school as an aide and thus do not have retirement, my wife has the option to have a 403b but hasnt opted in. She has around 3000 in a 401k from a previous job, and I have 0 in retirement. We should have enough left over at the end of the month to pay higher than the minimum on my credit card and get the debt snowball started. We dont plan to be in our jobs for much longer, so should she start contributing or should I open a T. Rowe Price Roth and invest the minimum 50month? Or should I just take that 50 and put it to our debt snowball?  <response>: While retirement is very important, you may want to seriously consider paying down some of that debt. Many student loans are not bankruptable, so if it were me Id want to focus on paying that down while you can because you never know what the future holds loss of job, getting sick. 