<prompt> Human: I have 8,000 in CC debt, and 10,000 in my emergency fund. Should I take money out of the emergency fund and pay off the CCs and rebuild my EF? Or just keep going paying off the CC as I can?Im self employed and its slow season. Im keeping my mortgage and other bills current. I have no retirement or savings other than the emergency fund and my only debt is my house and the CC.  <response>: PAY OFF YOUR CC DEBT. That is an emergency. You will have a small fund that you will need to build back up but do not get hit with interest on the CC debt - you will be giving away money. Once you pay it off. STOP using it unless you have the cash to cover your purchases. Pay with cash or debit until you can pay off CC as you use it and avoid this situation in the future 