<prompt> Human: I have read a few PF threads and I feel that what my wife and I are doing is correct, but I wanted opinions of people who have been through it. We are currently paying off debt so far about 6,500 this year, with a target of approx 12,000 by years end. This will pretty much wipe out about 85 of our CC debt. We currently have 4,500 in savings and after bills including extra CC payments and spending cash, we are usually left with around 800-1000 in checking after. We also have a secret savings at my wifes credit union that gets 150paycheck.Now IF I lost my job and we crunched down on our decently frivolous spending, we would be about 1,400 in the wholemonth. So the 4,500 would cover us for about 3 months until I found work. I am currently in a very stable job, as is she, but as someone who was recently unemployed, I will always have that fear. We own a home, so I want to bolster the savings as well as push away debt.The plan is to pay off as much CC debt as possible this year, while still enjoying life and starting next year to bolster the savings. We would like to have about 10,000 in savings for emergenciesunemploymenthouse and then start knocking big chunks into student loans. Any and all thoughts, words of encouragement, and even words of warning are very much welcome.EDIT: when we pay off a CC, we roll that payment amount into another CC to help speed the process along.  <response>: Im guessing you just want someone to say, good job, keep up the good work. So, good job, keep up the good work. 