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Congratulations on the CC debt. Only 8 more months to go is fantastic.

Your first short term goal after the CC debt is buried is good. Build the efund then get rid of the auto debt.

After that, it might be too early to tell just yet what you should focus on. The interest rate forecast in 18-24 months is hazy, but seems to suggest 7-8% prime. For that reason alone I am focusing like a laser on all my variable rate debts. I want as much room as possible for a 0% BT before my HELOC reaches CC rates. I'm also exploring the loan conversion option on my HELOC to lock in a rate and amoritize it.

And never stop focusing on the retirement. Ever. Any amount you can put away now will buy you at least a can of alpo later. You might not be able to afford a can opener though.
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