A texter just came into a bunch of money and wants to know what debt they should pay off first, car loans or credit cards. A texter wants to know if they should start a college fund for their kid or a ROTHIRA. A texter and his wife has $10,000 in credit card debt and want to know if they should take out a loan to pay the debt. Todd recommends checking out NFCC.org for more info on debt.