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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] So I have Mint already, is YNAB better? My 401K employer benefits suck, honestly. But I'll still contribute more. My credit isn't that great because of the 6 months of unemployment but I'm working to rebuild it. The credit card debt is gone now. I felt like that needed to go first because of the 24% interest. Thank you for the helpful reply! [/quote]
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