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Reply to "What to do first? Debt vs Savings/Retirement"
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[quote=Anonymous][quote=Anonymous]Get YNAB subscription (stands for you need a budget). It will help you track where every dollar of your spending (and saving) is going. I would build up $2,000 in cash. Then start contributing to 401Ks so you can get employer match. Then start a debt snowball with your highest interest rate loan. How good is your credit? Can you get that credit card debt onto a 0% card? I wouldn't be in a hurry to deal with the cars (unless you and your husband are super motivated). Get a good picture of your finances, start saving, and start paying off your debt.[/quote] Agree. The car part is a bit complicated. Spend a couple of months getting a handle on where your money is going and work on slashing expenses and rolling that debt snowball. Then see what you can do with the cars. [/quote]
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