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@inquirer2016 It’s a low interest debt. Better avenues to make the money work better. As for the EF, that’s purely based on expenses. If 12k is enough to cover 6 months of expenses, then that’s all you need.

@shanewp1988 Yea you made some mistakes but good thing is your definitely not too late. First thing you need to do is drop your percentage of 401k to 11%. At 15%, you will hit your cap sooner than later unless your ok with that. I’d prefer to spread it out evenly throughout the year. That should...

@lisam123 Closing a credit card doesn’t affect your score much unless it was a huge credit line that will cause your utilization to jump up. Closed accounts continue to age for 10yrs. They don’t just disappear from your report. I recently closed 15 accounts on my report. My score dropped 4 points.

@trying1tohelp1 That’s a great rate. Personally I wouldn’t be paying any extra on it at all.