the car loan is down to approx $7900..

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I’m considering using the $5k auto replacement “sinking fund” envelope and then scrape together the rest. It is one of the few budget items I can get rid of. Credit cards are paid off. Then I’d have $300/mo to add to the old medical bills and they’d be gone fast.

I have a couple of large debts that are essentially added to Baby Step SIX because of the amounts.

It’s scary to lose the sinking fund, but it does seem like I’ve been dumb to have it there and have a car payment. The vehicles aren’t fancy, but they’re not clunkers either.