<prompt> Human: I am afraid or frozen in putting extra cash into debt. I also think What if...? How do I get over this What if paralysis? I did the snowball effect on undebt.it and if I keep making minimum payments and never buy anything with my credit card again I will pay off my truck and credit card and be debt free in 2025. WOW that is a long time.BUT If I put a mere 203 extra a month towards my truck then I will be debt free by 2021 but my truck would be paid off completely by June 2019 which would help me a lot. I want to, I would love to, but its the fear of What if I need that money later on? For anything really, gas, a late payment, food, going out, school supplies.  <response>: If you dont have an emergency fund, save one first. Then, you dont have to worry about the what ifs. Pay off your highest interest debt first cc or loan, and go from there. 