<prompt> Human: Long story short, I suck with money. Like, lots of credit card debt 14k, lots of loan debt 20k. Never save money mostly because Im living paycheck to paycheck, but I am trying to change. Should I be saving money for an emergency, mostly because if anything happens now I wouldnt have an option besides putting it on a card as I have little to no savings? Or should I pay down my debt?  <response>: See the Prime Directive: Start with a smaller emergency fund, then focus on paying off high interest debt before growing that emergency fund. 