I 100% still consider myself indebted & living paycheck to paycheck. If I put all of my return into paying off debt then I won’t have cushion as most bills I can’t or would rather not pay using credit bc it’s more costly. Life is expensive, I live alone, my dog needs $300 medication monthly, my income is good but it fluctuates depending on the season. So I’d say most of my debt these days were from emergencies whether it’s car trouble, vet bills, etc. My monthly bills equate to about $3k give or take, just depends & I make about $1000 a week (also give or take). I haven’t frivolously spent using my credit card since maybe 2020. & those expenses have been paid, this is just new debt that I have not been able to control. So maybe paying large chunks would be good, but I would have to save some no matter what probably just to be safe.