<prompt> Human: Hello,I make 60k per year at a new job where i just started. I have about 1 month of emergency savings, and a terrible credit score less than 400, and 15k in student debt. Im 29. Which should I tackle first? I imagine the emergency fund, but honestly the other two cause more anxiety...THANKS: Im going to follow the advice of pretty much everyone here, which means saving for a 3 month emergency fund, then eliminating debt, then deal with my credit score.  <response>: Your credit score will take care of itself. The only way to raise your credit score is to create a history of on-time payments at or above the minimum payment for any existing debt.If I were in your shoes, I would evenly split the additional money that I had available between emergency savings and debt. Once your e-fund gets to 3 months expenses, I would stop contributing to it and focus solely on paying off debt. Once your debt is gone, I would expand the e-fund to 6 months expenses. 