<prompt> Human: Hi everyone, Im 25 and currently working a job that I really dont like. I work in health insurance, and my particular job is leaving me very unfulfilled I sit at a cubicle all day processing claims. The pay is meh, Im making 42k annually right now. I live in the midwest so my expenses are pretty low: 350 month in rent, 370 for my car payment and insurance, 64 for cell phone, 70 for internetlimited cable, 200 month in groceries, 2k in CC debt that I pay 200 a month on. I only have about 4k saved up right now. I wanted to go to a local community college to get an associates in the IT field. The cost is 103 per credit hour, and assuming I dont have to do the general education courses as I should be able to transfer them from my previous studies it should cost me about 6k in tuition.My questions are: whats the earning potential for someone with an associates in IT? I wouldnt be opposed to getting a bachelors at some point but not now. Also, how much should I save up before quitting to go back to school? I should add I live with my gf who makes about 43k a year and she is very supportive. Assistant: Why do you have 2k in credit card debt if you have 4k in savings? Whats the interest rate on the CC debt?Human: I figured someone would ask lol thats my rainy day fund, Im paranoid about incurring a major sudden expense and not having cash to pay for it.  <response>: Thats reasonable up to a point, but what is the point of paying interested when you have enough money to pay off the debt and enough money to stay cash positive with an emergency fund? You could pay off your debt entirely, no longer be paying interested, and still have an emergency fund of 2k. You could then put everything you were paying toward your credit card back into your emergency fund and have it built back up again in no time. 