Pay your bills off (all ) first. There is no excuse for credit card debt. Plain and simple it is a scarlet letter that loudly says, "I'm an idiot when it comes to handling my own money."

Your ultimate goal should be to save 10% of your gross pay for retirement and another 5-10% for emergencies and other goals (like a house downpayment). Doing this every year, year in and year out from age 25 to 68, will virtually guarentee a comfortable retirement.

I do 5% and don't even notice the difference.

10% is no problem, as a matter of fact you've encouraged me to up mine to 15% now!!

Start out with 5%. Cut down your discretionary spending and pay down that credit card debt. Once paid off, bump your contribution to 7%. Or more if you can afford it. Even if they don't match your contributions over 7% you still get a tax break on it. Good for you starting out so early. One more piece of advise, stay at home as long as you possibly can as you will save more and spend less and probably make your mother a happy person.

Get yourself on a budget, so that everything you make next month is spent on paper this month. Really sit down and go through all your expenses to see what you can save.

"5k ... isn't a problem" WRONG!!!
Credit cards are a great tool for making you pay for the same stuff twice. That's how poor people stay poor.
CREDIT CARDS ARE EVIL. GET RID OF THEM.

$5,000 @ 15% = $100/month * 6 1/2 years.
$5,000 @ 15% = $140/month * 4 years.
$5,000 @ 15% = $446/month * 1 year.

Get rid of the credit cards before they become an avalanche.

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Once the credit cards are paid off, there's one more thing to do before you start investing: Save an emergency fund with 6-months expenses ($10,000).
You will get laid off sometime in your career, and you'll thank me later when you can get to the cash.
Also, you'll want to save up for a down payment on a house, or a security deposit on an apartment.
Your parents will thank you for it.

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Once you've got the cards paid off, and the emergency fund in place, then you'll have plenty of time to save toward retirement.

Open a Roth IRA.

Now do the math to figure out what to contribute.
You want to contribute 15% of your total BEFORE TAXES.
$400/week after taxes = $1733/month after.
$1733/month after = $2200/month before.

15% of $2200 = $330/month. That's your goal

1) Put in enough to get the match (7%). 7% of $2200 = $154.
2) Put in to the Roth IRA until you hit your 15% goal or the $5,000/yr ceiling the Democrats put in place. ($330-$154 = $176/month. $176*12 = $2112, so you're under the limit.)

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To sum up:
Pay off the credit cards before you put a dime into retirement savings.
Save up for your emergency fund.

Then, you'll put in 7% into the 401K,
And you'll put in $176/month into the Roth IRA.