<prompt> Human: I have no debt except about 4k on a credit card. I was using credit the last couple of months because of a recent move. Lots of things to pay fortake care of. I am a 20yo college student. I have about 2500 in checking and 2800ish in the rainy day fund. Should I pay off the credit card and move forward with no debt? Only buy things I have the cash for not including the emergency fund. I dont currently have a job, but have about 600mo from an investment and no other income. My only expenses as of now are rent 175 and car insurance 200ish?. Im still trying to figure out how to save money by eating at home and things like that. I usually do pretty well with these kinds of things, and I dont want to have to start over with my emergency fund. Thanks in advance. Edit: Im really liking the discussion. This has sort of sparked an interest, although Im still wondering what the best route would be. But I do feel like Im learning just reading the comments from you guys. Thanks a lot.  <response>: The whole point of the emergency fund is to avoid putting things on a credit card. 