I’m gonna try this :) I only have about $700 to save to get back up there and then I’ll start doing extra on the car!

this sounds like a good idea. So say it’s $10k, if I’m above $10k I can put whatever extra towards the car. If I spend any on flights or emergencies, I should pay the minimum car payment and save until I’m back at $10k, before returning to paying extra on my car. Is that kinda what you’re saying?

I need to see my family at least twice a year, just a personal rule! I have not been able to travel much because I don’t want to always tap into savings to do so. I don’t feel like 6 months of savings is necessary for me. I’m in a stable, high demand job. I want my savings higher but they’re barely moving anyway 😭

I’m not sure but this past year I lost over $800 in interest. It’s a 5 year loan and I’m 2 years in

thanks for explaining!!

I’m not sure I get your shovel metaphor!

how did you decide how much extra to pay each month? congrats on retiring!

after seeing I paid over $800 in interest last year I was just grossed out 😭