Ramsey is basically what started this journey and gave a heck of a jump start this year getting rid of some small CC debt and smaller Student Loans. At this point, though, I still have just under $50k in Student Loan debt. So, even if we dumped every extra dollar we could without any hiccups/birthdays/vacations along the way, it would still take 3 years to pay them off fully. In the long run I guess that doesn't seem that bad, but I probably have about 6 more months of fighting the wife off the baby train before she puts a gun to my head (totally kidding, sort of). Once that does happen, I think my fear is the Roth will never happen. If we can get used to living without it now, it wouldn't be a big deal come baby season, haha.
Currently, we usually have around $1300-1500 extra after bills, mortgage, etc. (Wife works is a Rad Tech so depends on hours and depends on if I get profit sharing)
- $100-200/month towards Roth
- $500/month extra towards student loans
- What's left goes into Emergency fund, home repairs, maintenance, all of the above.