<prompt> Human: My wife and I just received a 10k gift from a family member. Im trying to decide how to best put it to use. Here are the highlights: Military member, married with two kids Net household income is about 70kyear 22k credit card debt 8.9 interest rate 20k car loan 0 interest rate 122k remaining on a home loan 5.875 interest rate for a property that we rent out Another thing that might be notable is that my 14 year old car paid off, obviously is about to go in the shop and Im expecting to pay about 1500 to get it fixed, but will budget for this out of my normal paycheck. So, Im thinking of putting 5k towards my credit card debt, and the other 5k into some type of account savingsmoney market for an emergency fund. If I go this route and I want to keep my emergency fund relatively safe i.e., not play the stock market, would a money market be the best place to keep it or are there other options to consider? Would really appreciate any inputadvice you guys could give.  <response>: Put it all into CC debt, jesus christ that is too much credit card debt! 