<prompt> Human: CORRECTION ON TITLE: 10k CASH 10,000Whats the best way to tackle the debt while leaving my options open towards things like savingsinvestments, car down payment, and liquid on-hands money?  <response>: Your 15K in credit card debt is an emergency. Use the 10K to pay off some of the debt. You said you have around 1000 per month surplus. 5 more months and your debt will be paid off. Then you can start saving up your emergency fund again. 