Nope, no credit card debt. Only debt I have is college loans. I am with you on the "pay yourself first" thing, I mean the way I see it, I can enjoy $1000 now or invest it and make even more money, or pay..........1/30 of my college loans off and never see it again
We have 401k but (correct me if I'm wrong people
) I think it's mainly done through where you work. And my jobs right now (I have a college job and a "at home" job) don't do shit for 401k.
I think right now it's looking like I might spend it on shit I want or possibly put it in a savings account as a "buffer account" in case I am having a slightly hard time paying the monthly bills in the future.