No. of Recommendations: 2
I don't know that I'd worry too much about the $600 E-fund. If you're adding $200/mo, it will grow back up over time. If it never seems to grow, maybe a separate budget category is missing or underfunded?

Regardless, you have in effect a $2000 e-fund every month that you're paying down debt with. If it were me, I'd keep concentrating on the debt and slowly adding to e-fund just like you are. So an unexpected $1500 expense hits your $600 fund? The snowball gets $900 less that month. So what? At least you already applied that $900 to debt reduction in previous months instead of putting it in e-fund. In the grand scheme of things you'd still be ahead, right?

This assumes your income is stable and unlikely to suddenly go away - not at risk for downsizing/layoff/have LTD insurance, etc.

There's a lot of "what-ifs" that make a big e-fund nice, but that debt monster is real - its not a "what if" - so if you're comfortable with a smaller e-fund for now so you have more ammo to battle the monster, that's not a bad decision.
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