<prompt> Human: Long story short is that while Im smashing down my debt load, I would rather see that money going towards paying down more debt and saving me interest. Worst case scenario I have a no balance credit card with a high limit that can help me through an emergency. This has been working for me for over a year. Convince me Im wrong.  <response>: If you need someone to convince you you are wrong then no amount of convincing is going to convince you you are wrong. In your mind what you are doing is right so whatever someone else says doesnt matter. 