<prompt> Human: 2 years ago I had nearly 40k in credit card debt. Im now down to 7k. But I have no savings and I often times find myself set beck a month because something came up and I had to use a credit card to pay for it. At what point do I pause on paying such heavy amounts to credit card bills and start saving some money? Is having 7k worth of debt ok to just pay minimums too so I can save? Or should I just keep paying all my extra to debt until its gone?  <response>: Finish paying off the cc debt then build your emergency fund. Theres no point putting a few thousand into a savings account at a 14 interest when you have debt at 8 interest. Pay off the debt. Once its gone, maintain the same payments but send them to savings. Once you have 1-3 months living expenses in your savings account, start throwing the money at investments. 