Should you handle debt or build an emergency fund first?

By Whitney Nielsen, Bankrate.com
There’s a reason financial advisers keep recommending you save money for emergencies. More than one in three Americans needed to tap their emergency savings in the past year, according to Bankrate’s 2025 Annual Emergency Savings Report. But when you’re juggling debt, putting money toward savings can feel overwhelming. Many feel paying down their balances would be more beneficial than adding money to savings.
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