Question: In the current environment, would you advise someone to pay down credit card debt or add to an emergency savings account? Please explain the assumptions

In the current environment, would you advise someone to pay down credit card debt or add to an emergency savings account? Please explain the assumptions underlying your advice, such as the interest rate on the credit card debt, whether the person has an emergency savings cushion, and whether the person is routinely in a surplus or deficit cash position.

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