I am including your personal loans and cc when I said “high interest debt”. I know one of them is at a lower 9%. Not the low interest you get on a mortgage so should still be cleared - last - but cleared. Buried = negative net worth. OP, it sounds like you are paying the debts off and heading in the right direction. You asked for advice on how best approach it, you got it, you are free to ignore said advice. It’s free advice and we are not professionals :) perhaps just people further ahead in the financial journey than you.