what is the cc balance?
what is interest rate on car, and how long until it is paid off?
I think $500/month to roth and $250 to EF make the most sense.
a) because you have nothing for retirement- condition yourself to max Roth now, no exceptions.
b) because other than car I see little debt
c) car would be paid off in short time anyway (3 years) so move focus away from mid term to longer term goals.
One pet peeve of mine with financial planning is many people always ignore the longest term goal, when in reality that is the most important one. Start by setting aside 10% of what you earn for retirement from now until the day you retire.
Then work on short terms goals (fully funded EF), mid term goals (car debt) and other goals (house, vacation, gifts).
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