If cash flow is tight, then I would not contribute from EF to Roths. I would use EF to make sure auto withdraws can happen without even concerned about when paycheck comes.
In my case I have EF in three 90 day CD ladders, with one 90 day CD maturing every 30 days. I also have one additional months bills in my accounts. Meaning my paycheck Feb 15 pays the March 1 mortgage payment, and my March 1 paycheck goes to the April 1 mortgage payment. So I have a 30 day cushion for most of my important bills (IRAs, mortgage). The life insurance, utilities and car payements are more "just in time"- meaning the payments are structured to occur the day after I get paid (or my wife gets paid).
I would work on setting up Roth to be auto deposits from checking account and getting budget to be more self sufficient (so you don't write so many checks).
The interest rate on student loans is low. Will the loans be paid off in less than 10 years?
I would make sure CC are paid off and not accruing interest while at a 0% rate. I missed payment can really add up. Sounds like it is under control, but I would error on side of getting CC paid off sooner.
In my case I have EF in three 90 day CD ladders, with one 90 day CD maturing every 30 days. I also have one additional months bills in my accounts. Meaning my paycheck Feb 15 pays the March 1 mortgage payment, and my March 1 paycheck goes to the April 1 mortgage payment. So I have a 30 day cushion for most of my important bills (IRAs, mortgage). The life insurance, utilities and car payements are more "just in time"- meaning the payments are structured to occur the day after I get paid (or my wife gets paid).
I would work on setting up Roth to be auto deposits from checking account and getting budget to be more self sufficient (so you don't write so many checks).
The interest rate on student loans is low. Will the loans be paid off in less than 10 years?
I would make sure CC are paid off and not accruing interest while at a 0% rate. I missed payment can really add up. Sounds like it is under control, but I would error on side of getting CC paid off sooner.
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