I love the Roth IRA. Tax-free income in retirement is a truly great deal.
The key to making money is to stay invested.
Owning a home is a keystone of wealth - both financial affluence and emotional security.
Absolutely pay off your credit card debt, because a child can always get a loan to go to school, possibly a scholarship, a grant.
Ignore the annual percentage rate when shopping for a mortgage.
Who would you want to be giving you advice? Somebody who doesn't have any money?