If you are worried about job security and do not have an adequate emergency fund (ideally eight months worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards. – Suze Orman

Who would you want to be giving you advice? Somebody who doesnt have any money? – Suze Orman

Take free money. No matter how in debt you are, if your employer offers a matching contribution on a 401(k) or other retirement vehicle, you must sign up and contribute enough to get the maximum company match each year. Think of it as a bonus. – Suze Orman