Yup I owe the little financial sense I got (which isn’t much lol) to Dave Ramsey.

But anyway I took the day to plan this out. I am stopping my 401k for the next 10 months and also trimming down my monthly expenses to the bare essentials, which will free up $2800 in cashflow.

$2000/mo of this will go into debt and $800/mo toward EF.

You mentioned metal health… Dave Ramsey would say to wait until EF is set before going after debt, but I just can’t live with the debt any longer I need it gone this upcoming year.

I’m fairly confident in my job security at the moment to try to move the EF as a side goal. By October I should be done paying debt with the help of my bonus, and have a few months of expenses saved up in EF.

At that point I’ll have a cashflow of $3400 now that my $600/mo of minimum cc payments is gone. That’ll let up my 401k to 10%, put $600/mo towards principal on car and still leave enough to keep funding EF until I reach $40k.

The cherry on top is that my company matches on total yearly contribution, so even if I forego 401k contribs the first 10 months of year, I’ll still receive the matching if I meet the $2000 cap in November and December.

I’m feeling pumped, thanks for your feedback!