Alec Baldwin Glengarry Glen Ross <| sep |> Curls for the girls <| sep |> RF totems . You stack totem life to get more damage . So they never die . Plus it ' s actually pretty good clear speed . I did one in perandus . Once you get the chieftain note that makes them fire immune it ' s pretty damn easy to be honest . <| sep |> Well at that age I can ' t say that i would have been any smarter undertaking that project even now in my early thirties I ' d research the hell out of it , I can ' t fault the kid for that . How could he have known better ? <| sep |> Naw fam we ' re back up ! <| sep |> Yes , i ' d say your emergency fund is useless if you have room on your LoC in case of emergencies . If no emergencies happen you ' ll have lowered your interest fees and if an emergency happens you ' ll get some fees on your LoC but probably still lower than your CCs . I ' d say , the Emergency fund is only more important than credit if you have a loan . Because you can ' t just take some money back on your loan as you see fit , so you actually lower your options by giving back too much too quick . If you pay back open credtis like CC and LoC , you actually keep the same cash availability while lowering your interest fees as long as you don ' t need to use them .