I'd have to disagree at least in part... while you're right, you can't put your focus on 3 things all at once, I think it is important to start retirement savings as soon as possible... I'd say you could focus a majority of your money to paying down the debt, but at the same time saving a small part of that debt payment (20%?) into some sort of retirement account. Tripod is right... time is always against you.
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