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Regarding the credit score it, it took a long time after some of my loans were paid off before they got cleared off my credit report as debt - that hurt a little bit.

If you are getting any type of 401k match, keep at it. If no match, maybe dial it back a bit, but I'd still tend to simply pay off with the CD's at that point. CDs are post tax, I assume, and you lose the opportunity to put that money (tax deferred) into the 401k if you don't do it now. you might look at what it does to your New York taxes.

I'm not a big fan of leasing cars, but you know what you need to get around in.

could you get by with one of the car sharing services?
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