Should I save a nest egg, pay off debt, or both?

What would you do if you were in my position?

Financial situation is as follows:

Day job total compensation: $200K USD + 12.5% bonus annual ($225K)
Side hustle income: $50-75K
401K balance: $35K
401K contributions: $7K per year + employer match $7K

So anywhere between $250-300K annual income.

$0 savings at the moment after splurging on some big renovations.

I own my home and mortgage is $3,200/mo. Equity is about $400K with 28 yrs left on the loan (2.75% interest rate, not moving ever).

Own a duplex out of state which has about $150K equity and cash flows about $500/mo though there have been lots of repairs so it’s not been a big money maker these last 2 years. Once this property is paid – 20 yrs or so, I will use those funds to buy ETFs or other lower risk investments.

Plan is to not sell the homes and gift them to my kid.

Kid will go to school soon, so that side hustle money will be accounted for (at least $12K per year).

Wife does not work and she has an allowance of $800/mo that comes off my pay check.

I have $25K of nagging credit card debt which I hope to take care of in the next 2 years. Even with this income plus having a family and expensive taste it has proven to be difficult to pay off. I have gotten my (and my wife’s) spending habits under control over the past 6mo (hence the allowance).

My financial advisor has me set to retire by 65 and with my assets and continued contributions it looks pretty good. But I wonder if it could be better or come sooner.

What would you do next if you were me?

Pay off the debt and save up a nest egg again? Should I take a low interest loan to pay the credit card off?