ओरैनो, नों मोन्नैखौबो खेबसेनो खालामजायो - गावनि जाब्रबथायारि फान्डाव एसे रां दोन आरो माखासे उफ्राखौ थाब दाहार सुख'नायाव बाहाय।
Ideally, you can do both at the same time—contribute some money to your emergency fund and some extra to paying debts down quickly.