> I have a colleague who just can't justify to themselves having an emergency fund while they still have debt to pay Depending on the interest rates, and assum

> I have a colleague who just can't justify to themselves having an emergency fund while they still have debt to pay Depending on the interest rates, and assuming they can keep the line of credit if they lose their job, this might make sense since it's a choice between reducing debt now vs potentially increasing debt later. The second part is just silly, but it's probably the attitude they got them in debt in the first place.