Management - Just a few thoughts humbly submitted from the peanut gallery.
Firstly, the fact you're here at 29-ish years old suggests to me that you're going to be long-term successful with money.
Seems like I'm not in too bad a shape with regards to that survey.
See Bichon Frise's comment 'a' regarding comparisons to others.
Bichon's advice is particularly applicable given...
I would really like to retire at 45-50....
In this day and age I understand why you'd consider college debt a "life tax". But regardless of nomenclature the end result is you're carrying $100K of unsecured debt into your 30s, and that is a huge obstacle in the way of early retirement.
Please know, friend, I'm not trying to beat you up over your loan and CC debt. In the first place, I'm in no position to preach to you because at 29 I'd just bought a new house and car with essentially zero money down and had a net worth of negative $150k. My only point is to highlight the challenge ahead of you: Parlaying your current income and net worth into early retirement will require immense diligence.
I'll leave you be. Just follow the advice you've received above and pay down those debts. As they say on the farm, you'll be positioned to really make some financial hay once you cut yourself loose of the CC and student loan shackles!