I'm seeking advice on managing my current financial situation. I currently have a $10.4k debt on my Home Depot Card, with $2k under a 6-month interest-free promo expiring on 2/24/24, and $8.4k under a 24-month interest-free promo expiring on 9/25/24. I'm contemplating whether to pay off the debt gradually or all at once. I have approximately $31k in a Vanguard Money Market fund, serving as both my emergency fund and investment capital, currently earning a 5.3% return. Would you recommend making minimum payments ($125 a month) until each promo period expires and then paying off the remaining balance before interest accrues? Alternatively, do you suggest paying off the entire debt at once? TIA