Credit card debt always first........because it'll follow you into retirement if you haven't paid it off by then and interest is a BITCH!

Pay off the credit card debt first -- if you can, double up on your payments and put the amount you were going to put into savings on those payments. The quicker you get that paid off, the better (interest, you know). Then, try to put the amount you were paying on the Credit Cards into savings each month. Good luck!

It depends on the interest rates. If you can invest the money for a greater rate of return on your investment than the interest rates on your credit card, then it would be better to put the money away for retirement. However, if the interest rate on your credit card is higher than the return on investment for your retirement fund, then it would be better to pay off your credit card. Now then, then is something that you should know about credit cards in general. They have very high rates of interest. Their interest rates are usually significantly higher than any return on an investment that you are likely to make. So, what interest you might be making on your retirement fund will most likely be more than eaten up by the interest rate on your credit card. So, it is probably best if you get that paid off first and then start putting money away. You may also want to look into a debt consolidation loan to pay off the credit card. These kinds of loans usually have much lower rates than credit cards do. The interest rate on such a loan may even be low enough to where it would also make sense to put money into a retirement fund. However, you would need to actually talk to a professional financial councilor in order to find out. Whatever you decide to do, STOP USING YOUR CREDIT CARD. If you don't do this, then you will just keep digging yourself in deeper. One of the policies that I have tried to follow since I got my first credit card was to never charge more than I could afford to pay off when the bill came and never let the balance carry over from one month to the next. For the most part, I have been able to do this. There were only a couple of times during graduate school and once when I started a my current job that I had to violate these rules. However, I always got those debts paid off as soon as I could. So, stop using your credit cards until you get them paid off and then watch how much you put on them thereafter. Good fortune to you as you work to straighten this out.