<prompt> Human: I have about 9K in credit card debt and a small emergency fund out about 2500. I am going to have an extra 400 a month now that my son is out of daycare. I would like to take that extra money and use it to build a proper emergency fund and pay down the credit card debt.The question becomes what is the best way to do that. Paying down the debt first will reduce the interest I am paying on the debt and I can then use the funds I was using to pay the debt to accelerate paying down the other debt. However, if I pay the debt down first and an emergency comes up then i could be left holding the bag or tapping a credit card to cover the emergency expense.How should I proceed?  <response>: An emergency fund of 2500 is likely sufficient. That 9,000 in credit card debt is likely costing you about 175 month in interest. Pay that sucker down! 