Absolutely Wojciech. No matter what Suze Orman says, each of us has to find our own right balance of paying down credit card debt versus building the rainy day fund.

Like investing in the stock market, choosing to pay down your credit cards at the expense of building a savings fund is risky business. Sure, you'll be debt-free, but you'll have very little cash to fall back on if you lose your job or your credit card company starts jerking you around. On the other hand, ignoring your credit card payments could result in owing a lot of interest or a dropped credit score due to delinquencies. It's a tightrope that not all of us are able to walk across!