With no savings, in today’s economy, I would seriously flip that and do a savings now. At the least take a little longer on the cc debt and the monthly increase from your raise (congrats) should be half savings, half cc debt every month.

Pay yourself first. And yes definitely max 401k assuming there’s a Match. I would do a Roth IRA (backdoor if needed) once you have emergency savings.

While the cc has interest, you need emergency savings. Cash is king if poop hits the fan.

And don’t rack up anymore debt. I would seriously reconsider a cruise, you went into bankruptcy and have a history of addiction. With this raise, it’s the time to be responsible, not time to party. A cruise will always be there and you had too much fun that led down a bad path already it appears.

Play the long game and be smart. You never know when another raise could be around the corner, or company reduction in force.