<prompt> Human: Hey guys,So I know this isnt a massive amount of debt, but its debt nonetheless and it has me feeling underwater and tied down. I have about 5K of various credit card debt - on about 3 accounts. Some of this was accumulated from college, a little of it is not. I currently have a good job making about 70K 24 yo a year in a big city, but not Boston, San Fran, LA, etc so the cost of living is actually manageable. I have about a quarter of my salary in a 401K and close to 4K in an emergency fund. Whats the best way to approach this debt. I dont even know where to start and every time I go to do something about it I end up telling my self its not a big deal. Thanks!  <response>: This will be controversial.. you seem to be able to do an emergency fund but not get rid of credit card debt.. so I can tell that is more important to you, so f you use emergency fund to pay off credit card you would build that emergency fund back quicker than you would pay off those credit cards. 