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No. of Recommendations: 1
Ouch - sorry to hear about your job loss. Hopefully you will find something else soon and it will just be a small stumbling block on your debt-free journey :-)

For the tax payment, I don't know what kind of payment plans the IRS offers but unless the terms are usurious, this sounds preferable to me than either cashing out the annuity OR depleting your savings; it will be easy enough to snowball this away when you secure steady employment, but I would feel uncomfortable going into a new job without at least a small cushion. You never know what will happen, what if you have to wait a month to get your first paycheck, etc. You don't give any details about the annuity but is this part of your retirement savings? I wouldn't want to touch that except in a true emergency.

For the scooter, selling it might work but only if you are 100% confident that you will be able to get to work using your "other options" (public transportation?) Will it limit where you are able to take a job if you don't have this means of transportation? If this is the case, I would roll it over onto the 6.9% CC until you know what your new situation is, to avoid getting socked with that 20% retroactive interest (ouch!) You can always sell the scooter a month or two down the road if you decide to, and pay off the CC.
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