<prompt> Human: Ill try to cover what I feel is basic details here and answer questions as they come up. At the end of September Ill be starting a new job making 75k currently making 57k this new job is also significantly closer to home. Ive already figured out the cost of gas difference and have that setup for automatic transfer into savings. I have a wife and 2 year old. Our emergency savings embarrassingly low at just over 4K, and cc debt at 12k. A lot of bad luck things have happen to us since the end of 2016, that has led us to the financial position we are in, but in the end those bad luck things have lead me to this new job so, luck is a fickle bitch I guess. Anyway, my initial thought was to clear our debt first and then work on savings but now Im not too sure. Im also going from being semi-monthly to bi-weekly. My bi-weekly pay will be more than my semi-monthly so those months that have an extra pay period in them could be used as a massive cash infusion to savings or against debt or split to both. Thoughts appreciated and happy to answer any questions.  <response>: Keep your emergency fund where it is at and attack that 12k in credit card debt until it is gone. Then start boosting your ef to six months of monthly expenses. 