did anyone ? Ever ? It ' s one of my biggest videogame frustrations . I was always the guy who could beat all games , pass all levels , etc . That was one of the few spots in my record as a kid . <| sep |> I like this answer . I ' ll add one point to a reason to hold a small emergency fund even while in debt . Psychologically if you ' re paying down the debt each month and an unexpected expense comes up it can be disheartening . You also are more likely to just spend a more because you already have blew the pay down for the month . It ' s a little like how people on a diet go slightly off track , but then eat a cake and plan to ' start again on Monday '. I don ' t know of any studies that have compared having a small emergency fund vs saving that interest though , so it ' s pretty much anecdotal .