Contribute fully up to the match amount right now. Tonight. Don't wait until tomorrow. Free money, are you kidding me? Easy answer.

But no match? Screw it -- you have to get rid of your debt first.. We are assuming you already have healthcare with an HSA plan you are filling annually, you have a Roth with a highly-diversified ETF like VTI that you max out based on your earned income, and you have an emergency fund fully fleshed out for 6-12 months of your budget. You have a budget, right?

Pity about that student debt and car loan. Does it charge more in interest than your investments might earn? That should be your answer (after filling the HSA, but before you do the Roth).