<prompt> Human: So after Christmas spending, an unexpected family trip involving short-notice airfare over Thanksgiving, and booking travelhotel for a destination wedding in 3 months, my wife and I opened our eyes to 12k cc debt, and a savings account that had shrunk from 25k to 15k. Neither of us have historically been hardcore budgeters, or hardcore spenders either. Weve put money in retirement first about 15 combined and savings accounts, and always had plenty leftover to live the lifestyle we find comfortable but not extravagant. Though we are starting to send kid 2 to daycare next week... So this is kind of the first time weve had to stratagize in order to deal with a large debt that isnt a mortgage or car loan. Her thought is that she would rather take 10k out of our 15k savings account to pay off a large majority of our cc debt in one fell swoop. My thought is that I dont feel comfortable with our savings being that low - our savings account is our emergency fund, though we have never explicitly called it that. It always hovered around that 25k mark, which is close to 6months expenses for us. So - would you: A. Deplete the emergency fund down to 1 months funding to pay down cc debt to near zero? B. Maintain emergency fund as-is at 3 months and begin paying down cc debt month-by-month? C. Fully fund emergency fund back to 6months before beginning to pay off cc debt? Financial vitals:110k combined gross income, minimum up to 10k non-guaranteed bonuses 4800mo necessary expenses 3500 in house and childcare 12k CC debt various cards, estimate 1511k student loan 810k car loan 1Thanks in advance. Sorry for the throwaway, but I know several people IRL know my username - I dont care for them to know my financial situation also.  <response>: 15 interest is pretty high, Id pay off all cc debt, then immediately rebuild your savings afterward. 