<prompt> Human: I just finished the book Rich Dad Poor Dad by Robert T. Kiyosaki and I really enjoyed it. Ive lurked on this subreddit for a while and have taken some advice to heart here. However, while reading Kiyosaki I noticed something that might be a difference of opinion. On page 157 of Rich Dad, Kiyosaki says, We just dont cave in to pressure and spend our savings or liquidate stocks to pay for consumer debt. That is not too financially intelligent.It was my interpretation of the Prime Directive flow chart is that once an emergency fund is built, debt is payed down, and then investments are made. How does this fit into Kiyosakis advice? Should stocks or investments be sold to pay off debt say from an inheritance? What about using savings to pay off debt as long as an emergency fund is maintained?  <response>: The simple way to look at this is to consider whether you would take a cash advance at the interest rate you are paying to invest more money in this investment. Usually this answer is a resounding no. 