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Somethings you posted do not make sense to me --

You say you have a car and an RV loan at ~5% or less. There are 0% loans and if you have that fine. But generally a "5%" car loan has about double the APR of a "5%" mortgage and I would expect the RV loan to be the same thing.

It is important to know not the advertised rate, but the APR. For example I would be happy to pay off your house mortage and give you a 1/2 or 1 percent loan -- that is 0.5% each day on your unpaid balance -- works out somewhere is the 300% APR -

Whether you establish an emergency fund, and IRA, etc., etc., you really need to know the real comparable interest rate on your various loans when deciding which to pay off first.


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