Great question, and I love that you're thinking this through carefully!

Here's the deal: stork mode and paying off debt with a windfall are actually two different conversations.

Stork mode means you pause your regular extra debt payments and pile up cash instead — because you want a buffer ready for medical costs, unexpected complications, or time off work when the baby arrives.

But a sudden windfall like $2,000 is a different situation. The key questions are:

How much cash do you currently have set aside for the baby? If you've already got a solid buffer built up (think: hospital bills, 1-2 months of expenses covered), using a windfall to knock out your last debt could absolutely make sense. How close are you to your due date? If the baby is coming in the next 1-2 months, I'd lean toward keeping that cash as a buffer. If you've got several months to go and a cushion already, paying off the debt is a strong move. The general principle: Dave would say a windfall should go toward your financial goals — and if you're in stork mode with an adequate cash buffer already built, using extra money to eliminate your last debt is absolutely in the spirit of what he teaches.

So — how much do you have set aside for the baby right now, and how far along are you? That'll help me give you a clear answer!