<prompt> Human: I owe slightly less than 4k on a credit card right now. I have slightly more than 4k in savings. My CC is around 22 interest. I can afford to pay off 500 a month comfortably, or up to 1000 if Im really tight with my budget. Ill wind up carrying a balance and collecting interest for the next 4-6ish months then. Or, I can just empty my savings account, pay off the card, and then work in rebuilding my savings. Whats a more financially sound choice?  <response>: Obviously, if you need your savings to live, then dont empty it. Your CC interest rate will be higher than any savings account interest rate, so pay it down as fast as you can afford to. 