[Haku]

I have had this uh debate elsewhere from those who are adamant about starting out with at least a tiny emergency fund to start with.

However, this is not what I did, nor what I personally agree with. Believe it or not, but I did the same thing that was suggested in this article, which was to pay off the credit cards first, and hanging on to one as an ad hoc emergency fund.

Hmm, I could've sworn I've already commented about this elsewhere in this forum. Anyways, I still firmly believe that paying off credit cards is the best way to go, but I also understand if doing it the other way will make other people feel better and motivate them to get out of debt.

Whatever floats your boat.