You’re right, granted I haven’t pulled the trigger… just wanted a second opinion

I’m sorry 60 gross, got mixed up

Yeah my bad, assuming no other debt besides a mortgage which is roughly 24% of after tax. Currently 25 making 60 net. Putting away 10% in 401k

True. For more context, it’s about 25/25 split with car and house expenses… savings would likely be around 20 %