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@jilleighan7 That’s a low rate. So it looks like it comes down to how comfortable are you with debt? Because if those rates don’t bother you then you’re better off putting it in the stock market and just letting it do its thing for at least 15yrs

@jilleighan7 Okay, so you have a few options. I wouldn’t bother paying off the student loan debt. You can make more money investing. So you have to think about what you want to use the money for. Do you have a house yet? You could use some of it for a downpayment. If you do then I’d put it in...

@jilleighan7 Do you have an emergency fund? What about debts? Do you have a Roth? A brokerage account?

@godwilling My wife and I have our joint in a commercial bank because easy branch access. I’m a member of a credit union and have various lines of credit with them. For me my local credit union has lower rates on lines of credit than the big banks. Last I have an American Express HYSA because...

@castheantelope This article has a good breakdown of all the benefits. I myself factor in lounge visits at $50 each trip https://www.nerdwallet.com/article/credit-cards/benefits-american-express-platinum

@sk8bdr018 $700 but the “coupons” that you get with the card more than make up for the annual fee.

@huey507 The 30k is liquid. It’s in a HYSA. It’s something I came up on my own. The 30k liquid is what you see everywhere so I started with that. Then added the LOC and HELOC at later dates. All three have their uses and I use them accordingly. The LOC and HELOC i used extensively when rates...

@ryani03 I was given a targeted offer via email. Maybe try chat and see if they can send you the offer?

@james1971 Do you have the platinum? I have a platinum and my rate is 4.6%

@huey507 Pay cash. Then built up the emergency fund again. The LOC can be used as a supplemental emergency fund just in case something happens. It’s what we do. Keep around 30k liquid ,have a 30k LOC and a HELOC.

@hal4x In your situation I would work it backwards. Find out how much a house in the area you want to move to costs. Then add 10%-15% to the purchase price because of potential price wars. From that get a 15% downpayment number plus around at least 5k for closing costs. Then at least another 10k...