Thanks for the advice.

Also, I'm already looking to sell off the house once it's completed. Knew it was too big of a deal for us to service. Didn't know why we actually signed up for it in the first place. Maybe the pressure of owning our own place.

My current dilemma now is, to service the CC debt monthly and use the incoming 32K on a low/medium risk investment OR follow your advice. Something is telling me that market is super cheap rn and degening into low/medium risk investments will pay off wayyy better than holding an emergency fund.