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@jasonrporter0316 Just some quick math to show you the advantage of AT MINIMUM maxing out your 401k (especially at your income). You currently only put ~$6,800/year away. Meaning you are being taxed on your income of $163,200 @ 30% leaving you with $114,240. If you maxed out your 401k...

@jasonrporter0316 Your living outside your means. I could let it slide a bit (except the vacations) if your car payments weren't so high. You need to practice some delayed gratification. You could very easily have saved the money up to purchase your cars cash. Instead you financed them and are...

@christiangirl_96 I think I would probably do a snowball method. Use your emergency fund to pay off the personal loan 100%. That would leave you with ~1 month emergency fund but also free up an extra $316/month. Then, I would be putting your $1166/month that you now have towards your credit card...

@christiangirl_96 I would NOT recommend financing a $5000 "beater"... let alone on a 5 year loan. Taking out a loan to try to pay off other loans isn't a good idea. In your "mandatory expenses" are you including loan payments? What are the current payments and interest rates on those loans?