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Again, great advice! I've been away for a while, but have enjoyed catching up with your replies.

I really appreciate your point of view, ckollmann. I'm going to spend some time considering this. The $40K is total for both of us in retirement. Your question: "Is your goal to increase your net worth, or eliminate your debt as fast as possible?" Honestly, this is the crux. That's exactly what we're trying to figure out. We live in a small town where we make a good living. We're considering a move to a bigger city, where our kids will have some more opportunities, but it would actually mean a lower income for us. So we're trying to decide 1) Is that a good idea? 2) How do we get ourselves into a good position to do that?

"It doesn't have to be an all or nothing decision..." You are absolutely right! I need some perspective on finding balance!!! I started feeling like "debt-free in 2 years" is the only goal, but then I think about building retirement, having investments, etc. A balance of the 2 is probably a better way to go.

Thanks again!!
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