AJ,Every time I feel like I am making progress I get over whelmed by the complexity of the numbers and trying to calculate what I really need for retirement. At the point my goal is to "just have a lot". :)My ESPP is with a company on the SA core so I think I am a little safe. However, I have only been working there less than a year and cashed out on my first ESPP opportunity to pay off credit card and majority of student loan.You also mentioned that the 7% on my student loan was not "good" debt. Why is that and what would be good?