I am often asked if when I was secretary I had problems with foreign men. That is not who I had problems with because I arrived in a very large plane that said United States of America. I had more problems with the men in our own government.
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.