So scared

I started Dave's book Total Money Makeover and I'm on Baby Step 2. I am absolutely scared to only have a $1000 emergency fund. I'm also terrified of pulling my CDs and Money market accounts out to pay off debt. We struggle some but it's mostly CC debt....we deal with. Down to $3,100 on CC....THE CDs will pay off 1&1/2 car, selling boat as well