<prompt> Human: I recently paid off the rest of my debt with what little savings I have. I figured with my debt I was already at 0, I might as well be at 0 and not accruing a ton of interest. Whether or not this was a good or bad idea, I was hoping to get guidance on what I should do next.  <response>: Well done.Time to build up your savings again, and please, do that as soon as is possible, because who knows when you may need some extra cash. 