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I do understand 6% out vs 2% in. I'm sorry you can't see the rest of the formula.

But you said


And properly managing the pennies by controlling the out flows until they are gone is a behavior modification.

If you continue to Then, what's $25 more, or $50,.... then it makes no difference if you have an E Fund or not. The 4% savings is a modification of behavior that will lead to getting out of debt.

No one here will be able to explain it to you unless you've lived it yourself.

Been there done that and managing the net inflow/outflow was a major part of understanding the problem.

I'm sorry you can't see the rest of the formula.

I'm sorry you can't see the big picture.
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