<prompt> Human: Im at 9k with my CC and paying around 100 a month in interest. I able able to pay the card off if I dip into my savings, which would leave me with only 6k left in the savings. But having a hard time pulling the tigger. Hard to just use that savings in case something should come up.  <response>: Yes, you should pay off the card. You are paying 1200year in interest for the privilege of holding that money in your savings account. Unless 6k is less than one months expenses for you, you can use that as a small emergency fund while you build it back up with the money you were putting toward the card. 