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Currently I have $23K in CDs at two credit unions. I'm working on a different idea to build the efund. I'm go to let the the PG stock and Chase stock I have and let the div go back into money market and earn 5.10% in money market and build a fund of cash that I can tough in an emergency. I been dilligently putting extra cash year in the Roth 401k and trying to build my 401k balance up.

Current balances:

Main job :$29,900 vested
p/t job: $9,200 vested
pension : $7,000 vested
Roth IRA: $22,000

My main thing this quarter is to pay the balance down asap! When the refund comes from the gov I can pay $700 down and bring the balance back under $1,500.

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