Thanks for the comments. I do consider retirement retirement. It looks to me there is no way around building up some form of liquid e-fund. The key would seem to be figuring out for myself what is the best ratio of debt paydown / e-fund building. I'll start out with 80/20 and work from there. It will cost me to do this, but likely would cost more if I didn't have the e-fund and had just one "emergency".
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