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[quote=Anonymous]Addressing some of the questions above.
We are so good at not touching emergency fund. We save monthly for annual bills, we save monthly for auto care and medical bills.

Again, I’m finding tension when we have money above 3k that we commit to debt. (And for that 3k extra)

794.31 committed to minimums 
With the monthly 2205, we just plunk it away on the debt.

a. But is our emergency fund ok? (Many of you saying no)
b. Retirement we’re putting off. The balance we do have is growing so that’s good. I don’t even want to get into that. I’m assuming debt will be done in these 3 years and then we’ll get really cracking on retirement savings. 
c. Vacation we do rarely, and only if the monthly extra is above 3k. (This variation comes down to DH being on production pay, and my work being very variable. I do 2 PT jobs, usually from home). It’s not a big area of tension but it can’t be completely ignored.

**If you pit emergency fund + debt + retirement against each other, they all slow down. RN our strategy is all debt. Time is important.

I came here asking about our measly emergency fund, sitting there in our cash flow. Again, ranges from 4k-17k-even at 20k one time.

I actually feel stronger now that we just keep going on the debt. 3 years it will be done and then we can move forward with all sorts of exciting questions.

DH and I both feel we will make more coming up, but that progress we won’t see until April at least…
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