You should focus on what makes you the most/costs you the least … so if paying off credit cards at 15% – 30%; then focus on the credit cards as you wouldn’t make near that from earning interest on a savings account.
Worst case scenario; if you needed cash in a hurry for an emergency thing; you still have the credit cards to use (and for real emergency stuff only) so in this case savings is secondary to paying off those high interest credit cards.
I agree 100%. In my dept payment strategy, I’m knocking off everything that I can in extra payments. If an emergency come up, then I have a credit card that will help me through. If not, my debt is getting cleared up. The interest rates on savings accounts are really low, when compared to credit card rates.