Based on your financial expertise, provide your response or viewpoint on the given financial question or topic. The response format is open.

Snowball debt or pay off a large amount?
Pay the highest rate debt first, it's as simple as that. When that debt is paid (the 24% card in this case) pay off the next one.  As far as having an emergency fund is concerned, I consider it a second priority. If one owes 24% money, that $2000 emergency fund is costing $480/yr. Ouch. Avoid the behaviors that got you into debt in the first place, and pay the cards off as fast as you can. When you have no balance, start to save, first into the emergency account, then toward retirement.