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.
But credit card debt is unsecured debt, which means if you get in trouble and cannot pay off your credit card, you can discharge it in bankruptcy. What are they going do to you? If you're in a financial position to just methodically pay off both credit card and student loans, pay them all.
I have come to think that money is very much like a person, and it will respond when you treat it as you would a cherished friend - never fearing it, pushing it away, pretending it doesn't exist, or turning away from its needs, never clutching it so hard that it hurts. ... if you tend it like the living entity it is, then it will flourish, grow, take care of you for as long as you need it ...
I wanted to give people the ability once again to realize that they can still dream, but it has to be a new American dream that's based in honesty, integrity, and security - a dream that allows you to sleep at night, a dream that is attainable and allows you to stand in your truth.
Absolutely invest in retirement. You can always get a loan to get kids through school. I do not know of any loans to get you through retirement. The markets are seriously low from where they were (even though they've gone up 30 percent recently). Now is the time to be dollar cost averaging; the more money you put in, the more shares you buy. Save for your retirement, people.
You'd better have faith that everything happens for the best. Nothing happens in your life that isn't something that you are meant to learn to get you where you need to go so you can become who you are meant to be. And that meant-to-be might be someone you don't even know exists at this moment in time.