Crypto Stalker thanks! Absolutely, I think the having no liquid cash is while paying off debt is something a LOT of people do. Honestly, when I was paying off the debt in my younger days I fell into this trap as well… I happened to get lucky and did not lose my job while throwing every penny into debt, but reflecting on that time, just because it worked out does not mean it was a good decision.

As for personal finance apps, I do think Mint is solid and probably the most widely recommended app. It is almost a “one-stop shop” for organizing your personal finances.

Thanks for the comment and have a great day!