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No. of Recommendations: 3
Great job on credit scores. Once your debts are paid down, you'll easily be in the 800s!

To that end, what are your thoughts on downsizing my retirement contributions for the short but not super-short term. Currently we divert $200 per 2 week pay period, pre-tax. My employer contributes 3% to a separate plan and that would continue. There is no employer match to lose. If I cut the contribution down to $50/pay for example, that frees up $300 per month to add to debt reduction. At this point I am not worried about being unable to fund 2019 at some later year. I live on the other side of town. Ramsey says to do it. What does TMF think in this situation? No brainer?

Intellectually, it's a no-brainer. Do it. However, make sure that you follow through with this and pay it down rather than have that money become your de facto "emergency fund". Or, you get exhausted from this game and just up your lifestyle rather than re-instate this. The psychological/emotional side of this is very real; do it only if you're confident in the follow-through.

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