I'd appreciate any thoughts you'd care to share.Payoff the 9% loan and invest the rest. Resist the temptation to spend, but the goal is to spend wisely, balancing current quality of life against future quality of life. I RE'd but not until I knew I could afford some minor luxuries. Carpet is a home maintenance issue, when it needs to be replaced, the issue will be quality vs. price (IOW value). The Telecaster is a one time expense, but only you can judge whether the price is worth the cost.1HappyFool
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