 I recently paid off $20,000 in credit card debt with a large bonus that I received, so I'm debt-free currently. I told her that the first thing we need to do is attack this debt together. She has right now $7,000 in her savings, and I have about $5,000. I told her, once we combine, I'll apply all of mine with yours towards the debt. Let's leave $1,000 in there as our emergency fund.