I'm retiring.

Eventually. And hopefully I'll have enough money to enjoy it. Today I decided to enroll in a 403(b) plan through my work. I considered doing it earlier in the year but I was going by the Suze Orman mantra that it doesn't make sense to invest or save if I still have credit card debt. What I have realized in the meantime is that I'm not so perfect with money that I am able to consciously put every extra cent towards my debt, and I'm sure I piss away enough money each month that $100 (pre-tax, which comes out to about $70 out of my take-home) from my check won't be missed too much, and the one thing I can't buy back is time. So, if it takes me two years to pay of my CC debt, I will have missed out on two years of investing time and compound interest. I think for me the key to getting my debt paid down will be to find an amount I'm comfortable paying each month that still leaves me with enough money to buy the things I need without having to use the CCs for anything. If that means it takes me a little longer to pay them off, then fine. I also plan on adding some more income somehow, either through a second job or tutoring or something. My plan is that any extra job money would go towards the debt.