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@tinyrev Put all your $ towards the cardcharging you interest then move on to the 0 interest. There is absolutely no reason to pay any money at all to the 0 percent (unless you must make minimum payments) .

@tinyrev At the plan you laid out, you pay a total of $2,739 in interest. If you are able to up your payments $800/month, then you can pay off both cards in 21 months and pay only $838 in interest by paying the high interest card off first.

@zeeshan030 If you want to keep it liquid, buying treasuries or funds like sgov or usfr will have better rates than hysas. FLOT has slightly more risk and is a good option.

@chris0699 Our household income is half of that and we live in a VHCOL with a 3 person family and I feel very comfortable. I bought my house like 15 years ago, so I know that is significant, but $235k just seems kind of crazy as a minimum to be comfortable. I'm also pretty darn frugal.