I was having dinner with my ex last night and we were talking money. He suggested I take my little bit of savings I have and pay off my credit card and car loan. Both being 19% interest, it does make sense. I am just scared of not having any money in case something happens. For example my car breaks down, or even if I have a bad month at work. 

Now, not having a great deal of knowledge and experience I am asking for your opinion! 
What would you do? Pay off the credit card and some of the car, or keep the savings?