Joe just finished his $500 emergency fund and is now working the debt snowball. He's been offered a credit card with a $5,000 limit at zero percent for one year. Joe plans on
banking the $5,000 in his emergency fund and paying off the card in a year before any
interest accrues. Joe is positive he can do that. Meanwhile, he will have earned interest
and have money in the bank in the event of a real emergency! What would you tell Joe?