[emnah94]

I am 28 years old and the past year I have been in debt reduction mode. That said, I've been pretty much foregoing any savings in order to pay debt. At the end of this month, FINALLY, my only debt will be $4630 of CC debt at 9.9% and $12,500 in student loans at 5%. My emergency savings is tiny at $900, but continuing to grow (will have $1500 at end of next month). I contribute a measly amount to my 401k (2%) since there is no employer match, and feel guilty about not having opened a Roth IRA by now or have any long-term savings. Should I focus on paying off all remaining CC debt (I'm not worried about my student loan since its at a relatively low % and it'll be there for a while) or put some of that into an IRA and long-term savings (HSBC @ 4.8% comes to mind)? It would be nice to know that something else is growing outside of my small 401k contributions and my emergency fund, if that's the best thing. I want to be able to buy a home in my early 30s and just generally be financially healthy.