<prompt> Human: Throw away to prevent online friends knowing my financial situations.---The details: I live in the United States.I make just over 4k a month after taxes.I have 12,239.07 in savingsI have 6,435.85 in credit card debt. Child due to be born in February.I could be out of a job by years end or sooner.What Im doing now: I am paying 2k a month to the credit card. 2K goes to cost of living and trying to build my savings back up. If no other unfortunate events happen I will be out of credit card debt and have a savings of 14k by the end of year. the question: Does it make more sense to pay off all the credit card debt right now? That will half my remaining savings but will save me from paying the interest for the next three months. orIs it better to keep the cash in bank just in case I loss my job and have to pay for the birth of my child without insurance.how i got here: kept 18k in bank and always made sure the credit card was at 0 by the end of the month. Then my wife and I had a year and a half filled to the brim of unfortunate events that has lead to massive medical debt. Im no longer at my lowest, but with finding out the company i work at isnt doing so great. I decided to see what you guys think on just paying it off or keeping the cash. edit: I am bad a Reddit formatting  <response>: Keep a 3 month e-fund and use the rest to pay off cc. 