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@imnotcrazy So if I have a Vanguard 403b through my employer can I elect to have that money invested into the s&p 500? It’s currently in a vanguard target date fund with an estimated return of 6% or so but 18% sounds much more appealing… im sure I’m missing a lot. Feel free to help shed some light.

@spikeone66 I think you’re right. We can probably pay it off within 3-4 months and not touch our savings.

@spikeone66 My wife stays at home with kids. My job security is very high and salary will go up 5-6 times in a little over a year. My emergency fund will last and only go up. Barring the totally unexpected but even then we could use a card and pay it off before it accrues interest. The original...

We owe 6k to a 8.4% personal loan. Now we have 6k in a HYSA yielding 5%. My salary is ok and we should be able to accrue this amount of savings in 4-5 months. We reworked our budget and clearly have been living above our means. Should be better going forward. Anyway, the main question is do...