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@matheushorta you are 25 years old so you have the most important aspect to building wealth on your side, and that is time. if you invest consistently over the next 30 years, you could put together a massive pot of gold. the most efficient way to invest in this country is through your pension...

@elam thanks for the advice. I'm going to pay Fownhope the car loan and go from there

@thebigfinalepostapocolyps thanks very much. il check o ut ask about money now

@kitcatrn actually ya I didn't think of that

@nique1 Good tip. thanks 👍

@shuffle thanks for the advice. I have been considering clearing the loan for awhile. I feel a little bit more optimistic now!

@shuffle would you advise that we continue with avcs? I will prob pay the car loan I think. I'm currently putting 125a week directly from wagesinto savings account and 125 car loan off my wages too. they are paid automatically from payroll. monthly expenses mortgage is 1k a month, car...

@jimoski that interest rate increase will make a massive difference to your repayments I imagjne

@jdsenn ya i suppose it makes sense to stick it out. hopefully the rates come back down!

@alltimeis I'm not sure. any raise we get will be small, maybe ten euro a week extra a week after tax between us!

@roseofsharon38 ya, I guess I will have another 500 a month to throw into cash savings and get a good emergency fund going

@roseofsharon38 yes, I will prob pay off the car. just hard to part with the cash. its like a security blanket!

@startupchristian that's great. thanks

@norwegianvikinh u think higher?

@resjudicata was listening to eoin mcgee podcast the other day and he was chatting with an economist. they reckon that rates will stabilise at 4% in a year or so for the forseable

@startupchristian are the fees high. for example if I wanted to put 200 a month into jam

@rochelle I would like the security of knowing that my mortgage is x a month but i agree with your view. at least I'm not paying rent !rent I this estate is double my mortgage currently

@sadpaanda that's very interesting. I would love to get this mortgage debt down as fast as possible. as soon as I get the car loan paid, emergency fund up to around 25k, I'm going to hit the mortgage hard

@taylord95 looks like a good plan. I think I will go this route. thanks!

@greatgrammyjean interest rate is 4.9%