<prompt> Human: While I was fortunate enough to get help paying off some credit card debt I accumulated in my 20s, my wife still has about 8,000 in debt spread throughout 3 cards. We have around 25,000 in savings combined between us and from wedding gifts. Should we use that savings to pay off some or all of the credit card debt? I know we want to savings for our future, but I worry that her she might get stuck in a cycle of debt.  <response>: I would and have, in the end youre going to end up paying more then just 8,000 with all the interest. Once you have it paid off, you can take the money you would be spending on it each month and just put that back in the savings account. 