<prompt> Human: Hi PF,This month Ive come into a pickle caused by a lack of emergency fund. Ive never been in this situation thankfully, but that also means I am not sure what the best way to get out of it.My parents and siblings are authorized users on my credit card a topic for another post, and this month had some big purchases. As a result, I dont have enough cash to cover the expenses.Credit Card A: 1,493.24 due on 412018 with a total balance of 4,143.37.Credit Card B: 1,120.91 due on 4232018 with a total balance of 1,120.91 so far this statementMy rent is 1125 per month, and I have about 113K invested into stocks separate from 401K IRA. I have 853.76 in my checking account and 1500 in a savings account. I also have 4125 left to contribute to my IRA this year, and 3 paychecks left before that deadline. I make about 2700 per paycheck after taxes yes this is a lot, that I am still living paycheck to paycheck is another post. Which means I have 8100 more cash til I miss the IRA deadline. Obviously this cash has to pay for living expenses, gas to work, etc., etc.My only way out seems to be to sell about 10K worth of stock, replenish the emergency fund, and pay off all the debts. Obviously then talk to my family about spending, but is there anything else I should do in this situation?Thanks for your help in advance. Feel free to roast me for what I am doing wrong but I pretty much know, just need to work up the courage to tell my parents theyre bad with money and then look myself in the mirror and say the same.Thank you  <response>: You need to do more than talk to your family, you need to ask yourself why you are letting them use your credit cards to make purchases they cant pay back.Cut them off, you arent the bank, they can get their own credit.In the meantime, you have the cash and cash flow to pay them off so pay them off. No need to sell anything 