<prompt> Human: I am 22 years old and have about 4000 in credit card debt. What is the best way to balance paying off credit cards while saving money?  <response>: You should save a basic emergency fund of 1000 which should cover not so catastrophic emergencies, and then work on your debt starting from the highest interest then working your way down.Also, make sure you have a written budget and stick to it to keep yourself in check. 