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@james4000 Pay off your car. That's a 6.99% safe return after tax. Maybe dump a bit more in the emergency fund, to have about 3-6 months of runway. Let us know when you're done.

@davisalw FHSA won't be any cheaper, since you are so good with color... As an aside 22,826 people took it up... Even if the cost per transaction was $20k, it ends up being less than 500 million which is certainly less than what FHSA will cost and definitely less than zillion. Drop in the...

@davisalw Cost the taxpayers zillions? Do elaborate and maybe provide some color to that statement by showing how much exactly it cost.