I guess I see CC debt and 401k debt as apples and oranges due to their nature.
401k is for the long term and the CC is short term.
Retirement is one of the things that constantly stays in my radar, especially continuing to see that if I want to live my current lifestyle when I retire, I'm going to have to save even more than I currently am.
So while the 12% savings may be a fact, I would advise taking the chance to earn over 35% by paying off the 401k debt first.
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