<prompt> Human: We make 105k jointly.nbsp;25k On one Car 325 Monthly nbsp;30k On new Truck 425 nbsp;145k On House 915 monthly on 30yr nbsp;350 on Best Buy card 0 interest until August nbsp;3k on another card 0 until Sept nbsp;4k on another card 0 until June nbsp;1200 on Another card 0 until July nbsp;2k on Furniture 0 until 2018 nbsp;28k In Student Loans between both of us nbsp;30k Boat 280 month nbsp;Total expenses monthlynbsp;Mortgage 900nbsp;Utilities 125-135nbsp;Water 25nbsp;Internet 60nbsp;DirectTV 90nbsp;Credit card payments and furniture 100 per so 500nbsp;Student loans 450nbsp;Cars 750nbsp;Boat 280nbsp;Insurance car truck and boat 200nbsp;Cell: 140What I am looking for is to pay off the credit card debt which totals close to 10k. Is the snowball effect a good measure to go here? We live VERY well even with all of this debt but sometimes i feel like we are stretched thin and we do not have a big emergency fund 2600. Any tips or tricks would be greatly appreciated. Edit: Sorry its a jumble, Im not sure how to properly format on reddit...Edit2: Thanks for all the input everybody. Ill try to clarify on a few things.nbsp;Truck was needed for new home we purchased. Needed something to lug around wood mulch and whatnot. I had a used Jeep but it wasnt cutting it. Looking at the used values of my truck, they were only a few K less than a brand new without a warranty, and with much higher interest so yes we did finance new at 84m. On the 0 interest cards, we have well enough credit 750 that we roll them over to new 0 interest cards before they expire. So far it has only helped our credit grow so Im not seeing any negative effect to this. My wife and I currently have 4 retirement plans. Two 401ks matched by employers and I have a pension and she has a supplemental retirement. The credit card debt has been around for a while and yes, we have added a few items to it, most recently a truck bed cover. The boat is MINE. Do not touch it. Yes I financed it. Yes it is used more than 20 times a year, more than double that if I checked my fishing log. It has been a dream of mine since I was a kid to have one. My worries is not of the debt of home cars or boat, it is the Credit CardFurniture alone.  <response>: Sell the car, truck, and boat, and pay off the credit cards and remaining debt. Then buy whatever you want with cash. 