Thats fine dude. Keep living in debt, I know people thinking paying off debt is weird, because you have been lead to believe its ok to have it. Honestly, I dont have much fear at all in losing my job, nor does my fiance. Its not like all I have is 1k. If something happened, I am snowballing 1500 a month to my lowest payment right now. I could easily throw my 1k, and pay minimums on those bills and have 2.5 k available in a month. I also have around 40k in retirement, but have cut down funding to it dramatically to become debt free. I have a plan for financial peace and hope that I know will work.