[meaghanchan]

I'd put in *something* (even just $50 or $100 a month, or to the company match) to retirement, just to get in the habit, even if you have credit card debt. However, I'd put the rest- and make that as much as possible- towards the credit card debt.

That's what I'm doing- and when the credit cards are paid off, I'll have a big chunk of change every month free to put to either retirement or shorter-term savings.