<prompt> Human: Just some information, I currently have an emergency fund of only about 5000. I dont feel completely comfortable with it but its decent. Id definitely like to increase it to have that safety net and therefore, Im tempted to transfer my tax refund which is historically around 2500 to that account. The problem is that I have a couple of debts that I really want to get rid of, each with a different scenario.The first one is my car loan, which currently sits at a balance of around 6000. Now my interest on this loan is great, less than 2, but my monthly payments are kind of brutal. They are currently at 360. I really want to pay off the car in order to free up 360 a month, which would be huge. That is my largest bill.My other big debt is a CC bill of about 2600. I know CC debt is bad and this Credit Card carries an APR of about 15 so its pretty rough. Paying this down is of high priority for me as well because obviously, Im just giving away money with that interest rate. Any extra money I have Im trying to toss towards this balance normally. I also have essentially shoved this card deep in a drawer and am no longer using it.I am mostly torn on whether to apply this money towards my car or my credit card bill. I suppose I could use this refund plus most of my emergency fund on paying off my car and freeing up 360 a month, but I would not feel comfortable with such a low emergency fund.What do you all recommend as the best option? Pay off CC, add it to my emergency fund or use the return most of my emergency fund to pay off my car?NOTE- I have begun budgeting and cutting down my expenses to begin tackling these debts using the advice Ive received from this subreddit.  <response>: Pay off the credit card, for goodness sake. Honestly, Id pay it off today out of the emergency fund money. If you really came up short between now and getting your tax refund, you could use the credit card. But in the meantime youre setting money on fire with that interest rate. 