Are you saying that all the experts are wrong? It's what they do for a living, so I suppose they know something.


From a mathematical perspective, the experts *are* wrong. The only way you would win is if your emergency fund earns more interest than you pay out to your cards. This assumes that you are not maxed out on all your cards, in which case you would not be able to charge an 'emergency' on the cards.

Now, from a psychological perspective... that's a different story. Many people will feel better having an emergency fund set aside while at the same time paying off debt.

The bottom line is YMMV.

cheers
Felipe