<prompt> Human: I have about 3000 in credit card debt and i make around 55,000 a year. my wife and i have about 20,000 in savings and she makes around 80,000 a year. her job is very stable.Mine is considered essential, but my price tag is high enough for me to worry we are both in health care at the same company btw.I have a car loan of 10,000 at 285 a month. she has no car payments. we have a mortgage of 850 a month.My interest rate on my car is 0.9 and my CC is 6.9  <response>: Id pay off debt personally. Less monthly payments and itd be easier to budget accordingly. 