<prompt> Human: What would make more sense to save for a house or first or open up a Roth IRA? My situation: 45 - married 2. About 5K in credit card debt, 2 car payments, no IRA, renting.Edit:Income: 4,400 month gross Expenses: Rent: 1,500, utilities: 400, kids activities 300, food 600, savings 200, car loans 600, misc 400, credit card bills 300 Thanks.  <response>: Pay off the credit card debt before either. 