<prompt> Human: So after getting our finances in order, we have about 500 a month leftover after all bills are paid and everything is budgeted out. I have about 600 in savings right now, but about 3000 in credit card debt. Should I put more into that savings account, or pay down the debt first?Our take home pay every month is about 1600, we are contributing 10 into a 401K already, and our expenses are extremely low since we are living with MIL with no plans to move - she loves having the grandkids here and doesnt care if we pay any rent other than cooking dinner- We love it here tooWhats recommended? And is there an app that can help plan this for me?  <response>: The decision of how much emergency fund to hold while paying down high interest debt is highly personal. It depends on not just the numbers of your finances, but intangibles like your risk tolerance and social safety net. It sounds like you are in a relatively secure position, you will not lose your housing because of a financial emergency, so you may be comfortable with a very small e-fund while you work on your debt. If thats the case, put all of your money toward paying it off. 