I have been working on lowering my debt but there always seems to be another unexpected expense that crops up. How do I pay off debt and build an emergency fund at the same time?

I adopted my daughter when I was 47 years old. She was 7 1/2 months old. While I was old enough to be her grandmother, she was my first child. I found that I had several advantages over young parents. I had an established career and was moving toward...