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Knipfty t1_jae4dyi wrote

I would tighten the budget, drop 10k on it and pay it off as quickly as possible. Then rebuild the EF.

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innkeeper_77 t1_jae7087 wrote

This but it might be a good idea to leave at least one month in the emergency fund. 8.5% is bad, but not EXTREMELY bad.

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themeowsmeows OP t1_jaejxkr wrote

I decided to take out one month of savings to pay the HELOC.

1