Great job


on getting it paid down and saving a sinking fund! One thing youcould do, is leave the sinking fund be until you only have $4000 to pay off then dump it on it. That way, you have cash for repairs if necessary while you are still making payments, and $1000 plus the snowball for that month should you have a big repair. I agree you don’t need a replacement fund until you’re out of babystep 2 if you have a decent vehicle already. I also love that it will free up your payment to make progress on other things.