I don't have any personal credit card debt, I pay off what I charge every month.

My financial partner K was out of work for a while and ran up a bill of $19,000. Its currently at $14,600 at 7.75%. It cost $100 interest last month which was worth it to me to not pay it off using our savings.

The only other debt we have is our home equity loan ($131,700) and mortgage ($318,200).

#1 short term goal is to pay off this credit card. I have not idea how long it will take. Its one of the reasons I started this, to see if I can track and predict.

Debt
1) K cc - current $15,400

Savings
1) Emergency savings current $14,000/year. Add 10% -$1400.



Retirement
1)need to figure out current for K and J