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@laulee Hybrid options exist too. You could knock out the 5.5% one and put the rest in a HYSA if the interest is more than 3.75%. That way you’re not losing any money to interest technically. If the rates change, you can always adapt

@laulee It’s up to you. My personal answer would depend on the interest rates and house buying timeline and a bit on my personal tastes for level of debt I hold Either option shows an inherent desire for good money management so you can’t really go wrong with your choice. One will end up...

@victoryforever Don’t mean to intrude on your rant but just a heads up there’s lots of ways to access that money before 59.5. Worth looking into

@destiny13 As with all budgets it’ll work if you’re able to stick to it. It’s likely you’ll have to adjust. Make sure you track each category to ensure you’re staying on target and become aware if changes are needed. One thing I’d mention is making sure you’re using your time optimally since...