<prompt> Human: So I will be walking away with 33k in cash from selling my home. I have about 8 CCs totaling 30k in balances. I want to start a hefty savings account and throw 10k into it. I also want to zero out my CC balances and use them responsibly. Is there any reason I shouldnt pay off ALL of my cards and instead put some money away? Edit: Thanks for all the help and guidance, Im going to zero out my CCs and put away the 3k left over. I was very fortunate to be able to sell my home profitably and I will make sure to not a dig a hole like I did over the last few years. I already have YNAB but I need to use it more effectively so that I can maximize my savings. Thanks again for the help.  <response>: Pay it all off, put the leftover 3k in savings. Then start saving the amount you used to pay towards credit card payments into savings until you have a nice, healthy emergency fund. 