The emergency fund is just that. Build it at your pace. 10% is a guide to Savings and should be the top priority. Always pay yourself first because nobody will ever take as good care of you as you will. After that comes debt. If you have multiple accounts of debt you should try to consolidate for 0% interest but don’t keep creating more debt when you achieve it. By consolidating you may lower your total payout. CUT UP THE CREDIT CARDS! Keep one for serious emergencies until you have your emergency fund which should have enough money to cover 6 months of expenses. Remember prioritize, focus, commitment. This will get you there.
