<prompt> Human: Hi PF, first time posting ever to Reddit! I have been working at my job for a year now, and can now set up my retirement account with them. I work for a private hospital, so they offer a 403b option for us. However, they do not contribute anything to the retirement, not even 1. Im wondering if I should even use my jobs retirement funds, or do something on my own. I know that I will not be at this job for the rest of my life, probably not even for 5 years. I am in the middle of a career change, and am hoping to work in my new career in the next 2-3 years. However, I dont really know my options. Ive heard of some things but I dont understand them and I dont know who to turn to for assistance. So here I am. I should add that I am a 24 year old single female still living at home with parents. I have 60k student loan debt that I am paying down, 1500 CC debt that I keep up with, 10k in emergency savings with another 10k that is just there, not to be touched yet. Not sure if thats important stuff but still. Is it worth it to use my companys retirement account or should I do something in my own? Assistant: Since your employer doesnt contribute, tackle that CC debt first and then open an IRA. You can contribute up to 5,500 a year and youll likely have better fund options with lower fees than the 403b. Anything leftover you can then contribute to the 403b.Human: This is correct. Just to add, OP, many of us here shudder at a phrase like CC debt that I keep up with. Assuming this means youre making payments but not in full: knock this out first and fast and firm.Assistant: Why knock down the CC debt so fast? I have a good credit score. I am only using 25 of my total credit. I have one card with 800 was 2k, paid vacation on it that I dont use and am paying off. The rest of the balance is on 2 other cards that I use frequently for everyday purchases that I pay in full every month. I use it them for travel points and cash back. Human: The interest rate youre paying on the CC debt unless its a 0 introductory rate is almost certainly higher that your student loan debt or any savings vehicles you have at your disposal. A dollar toward CC debt goes further than a dollar elsewhere.Assistant: All cards 0 introductory for another 6 months. I plan on getting rid of it all by then and just using them minimally.  <response>: Right, then youre obviously on track. And a note: using the credit card isnt the problem; I put 75 of my monthly expenses on my credit cards to take advantage of 1-5 cash back. The problem only resides in not paying them off in full every month unless you have a 0 intro rate. 