24 in NYC which US personal finance sub for deciding 24% credit card vs 401k beyond match vs starting a Roth IRA

hey i need a specific us personal finance subreddit for this exact decision i am 24 in nyc making 72k w2 take home about 3900 a month rent 1650 with a roommate utilities 120 have 9800 on a credit card at 24 apr a 401k with 4 match currently putting 2 an hysa with 1200 and about 14k federal loans at roughly 5 apr the concrete question is should i do 4 to get the full match and then throw every extra dollar at the 24 apr card until zero before opening a roth ira or should i split it like 4 to 401k plus around 200 a month into a roth while still paying more than the minimum on the card looking for a sub with strict us focused guidance and a solid wiki checklist avalanche vs snowball and tax considerations thanks