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[quote=Anonymous]12:41, I agree with you. Completely. But we were also both laid off in 2008 and experiencing a lay-off really effects how you think about these things. We have a savings minimum below which we do not go. It's only three months worth of expenses, which is less than I'd like, but it's untouchable. When we do get extra/go over the overage goes $$ to debt. But I sleep way better knowing that we have cash if we need it. It's well worth the cost of interest. FWIW - We live very frugally in other ways (e.g., no cable, old car). Almost 80% of our pay goes to debt. We'll do without until we're back in the black. I still wouldn't touch that savings. And before anyone asks why we have so much debt, we have an underwater property and huge medical bills. I wasn't out buying $600 shoes. [/quote]
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