“A big part of financial freedom is having your heart and mind free from worry about the what-ifs of life.”
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When you're happy you find pure joy in your life. There are no regrets in this state of happiness - and that's a goal worth striving for in all areas of your life.
If you are worried about job security and do not have an adequate emergency fund (ideally eight months' worth of living expenses stashed away in a federally insured bank or credit union), you need to focus more on saving money than paying down the balance on your credit cards.
Those carrying a credit card balance should scale back to making the minimum payment each month so they have more money to put into savings.
They got married, they got divorced, and half their money goes out the window.