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I am pressing forward, busting arse full steam with all of the other efforts that worked in 2019. I don't intend to pay one penny of credit card interest in 2021. All options are on the table.

Sorry, I'm afraid that nothing I can say will convince you that you are on the wrong path. But since your debt pay down was facilitated by cutting your retirement plan contributions, rather than by actually examining your spending, finding what you were overspending on, and cutting back on that spending, it is very unlikely that you will improve your financial position by taking the path you are planning.

Instead, you are very likely to end up in worse financial shape because you haven't learned to live within your means, and once the credit cards are paid off, your spending will increase, and you will end up in debt again. Only this time, you won't have nearly as much in your retirement plans to pull from.

If you are convinced that the path you have chosen is the right one, all I can do is wish you luck.

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