I'm lucky enough to have thought about my retirement planning first, before I had most other expenses. So I set up a standard boring Roth 401(k) and have been contributing to it with only one break, when I had some expensive car trouble. My wife and I managed to pay off my school loans and our car loans, but we still have a lot of credit card debt and it's going to be tough for us to get a house, which we both really want to do.

I'd say I'm extremely lucky to have a job where I can fund my retirement account and also pay rent and pay off loans etc. But if you're asking about priorities, long-term saving has always appealed to me more.