<prompt> Human: Hi all, I have 11k 12 credit card balance, getting a bonus for 6k after tax. Have zero emergency fund. Should I just put the 6k in savings for 3 months worth of bills or should I do one month and pay down 4k worth?  <response>: Keep only 1k and pay down 5k. Pay down credit card aggressively. When finished, then you can think about beefing up the emergency fund. But for now, a thousand dollars should be enough to float you, barring an extreme emergency. 