<prompt> Human: Hi PCF, looking for some advice. I recently depleted my savings account in an effort to pay down debt with gazelle intensity. Now I feel I am stressed with only having 3,000 in savings. Im a worry wart. Im debating using my line of credit at 5 to pay off my credit card bill and build up my savings to 5,000 and then paying back the line of credit at a more relaxed rate. Is that a stupid idea? I know mathematically it is, but emotionally I thnk I would feel better.  <response>: Use your discomfort with the situation to build up to the 5000 quickly by controlling spending and finding extra income. In the meantime, you do have the line of credit that you could tap in a worst-case scenario - but you wont be paying interest on money just to have it sitting in your bank account. 