I think the idea here is that if the debt is less than 10% APY you’re better off building a emergency fund and can pay off the debts in later steps. With the em

I think the idea here is that if the debt is less than 10% APY you’re better off building a emergency fund and can pay off the debts in later steps. With the emergency fund you’re less likely to find yourself in a situation where you take on more debt.