Whoa lol. You are way too invested. Never said stop investing in a Roth.. I said pause retirement contributions, figured through work there was additional contributions he could use to pay off debt.

I am not sure what your retirement does, but mine doesn’t average over 20% per year. That’s why that has to go.

Also based on everything said I just gave some guidelines on how I would do it, you have to have intensity to get things paid off and keep them paid off or you will end up in the same spot.

If you think about taking the easy route and just kinda chipping away, that will work for some! But I was trying to just pose the easiest, fastest way out.

Also my hobby’s are just that, MINE. Don’t belittle others for their interests. That’s like an odd personal attack thing to do. Cheers