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Ask Farnoosh: Should I Recession-Proof My Finances By Paying Down Debt or Saving More?

On her Friday podcast, CNET Money Editor-at-Large Farnoosh Torabi discusses emergency savings, credit card debt, physician mortgages and CNET's new Recession Help Desk.

This story is part of Recession Help Desk, CNET's coverage of how to make smart money moves in an uncertain economy.

In my latest podcast episode of So Money, I discuss whether it's better as we head into a recession to pay off debt or add to savings. Also: Is it a good idea to tap a Roth IRA to supplement emergency savings? What are the advantages or disadvantages of physician mortgages? 

Subscribe to So Money to catch my award-winning show three days a week. Also, check out CNET's brand-new Recession Help Desk, a curated and ongoing collection of our best stories tied to current economic challenges.

Join my weekly So Money newsletter for the latest updates and advice and receive a free copy of my ebook So Money Secrets, a selection of the best money advice from podcast interviews. 

Submit your questions for our Friday episodes by sending me a direct message on Instagram. Or email your recession-related questions to