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Reply to "What to do with $3,000 refund"
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[quote=Anonymous]Small emergency fund (2 - 3 months of expenses) if you don't have one Debt - I'm a fan of smallest first because you get a psychological boost from getting one completely paid off, and studies have shown that increases your success paying more off after that. After that the order would be larger emergency fund, replacing anything that truly needs an upgrade and was put off during debt payments. [/quote]
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