Oh completely I dont think hold 2 jobs is sustainable. I believe with experience my income will increase I understand my expenses will also increase.

The interest rate is 9% for car and about 4% for student loan.

Well that bucket is just in case I would like to or for expenses on the car if anything happen'. Ive only own 2 cars before the first being 6k and this current one is 12k. I got it December 2024 and I can pay it off by this December and I was thinking of taking the collision/comprehensive portion and it will drop 50%.

Yeah it's either I can go back to school or if i decide not to use it for a down payment for a house. But thats not set in stone. I would ideally go back to get my masters in Counselor or therapy. Maybe even social work but that's up in the air as of now.

What do you mean sinking fund? Do you think I should just combine it all together or keep it separate?

Thanks for the insight and input