[CraigThor]

Well sat down after the wife got home and here is the solution we could both agree on. As soon as her 401k info becomes available here is our plan:

Drop wifes 20% investing to 10% for 4 months use other 10% for loan

After the first of the year make a large payment of $2k or more if I have it and keep $500 for EF

Use all extra monies I receive towards loan

I've contacted my banker about loan rates and getting another personal loan to pay this one off IF not I can talk to CitiFinancial where I have the loan and they said I should qualify for their Premier status and get a much lower rate.

Any other advice? I know some will say ditch the retirement all together till the loan is paid but I think I can have it paid off by mid year with this approach.

Craig