Are you torn between paying extra on your debt or starting an emergency fund? You're not alone! This is one of the most common financial dilemmas, and in today's video, I'm breaking down exactly what you should prioritise based on your situation.What You'll Learn:✅ When to prioritise debt payments✅ Why an emergency fund might be more important than you think✅ The "hybrid approach" that could work for both goals✅ Common mistakes people make with this decisionKey Topics Covered:00:00 - Intro00:27 - Should I pay off my debt or build an emergency fund00:46 - Scenario (Debts & Interest Rates)06:27 - High-interest debt vs low-interest debt strategies08:15 - Where should you put your Emergency fund09:50 - Free Credit template10:55 - Free TFSA EbookFREE RESOURCES:📋 Download my Credit Template: https://www.womanandfinance.co.za/resources📖 NEW! Tax-Free Savings Account eBook: https://www.womanandfinance.co.za/resources🙌🏾 Let me know in the comments - are you team emergency fund or team debt payoff?Don't forget to LIKE this video if it helped you and SUBSCRIBE for more practical money advice!Watch our second episode of Money: It's Not Black or White here: https://www.youtube.com/watch?v=MHl9ZFvExnI&t=30s