<prompt> Human: My wife and I have about 3k in credit card debt and 10k in her college debt. My question is how should I divide my money up? Just pay off all the debts? or pay off some and put some in savings? Just looking for some guidance so I can be on the right track. All we have for expenses is carinsurancephonefood 1000. She doesnt work because our moving situation and she just graduated and I make 2500mo.  <response>: 1. Pay off credit card2. Pay off student debt3. Put remainder in emergency fund4. Put what you would pay in student debt payments into savingsemergency fund 