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Dakota is in Dallas hi Dakota welcome to the ramsie show hi dave thanks for taking my call

how are you better than we deserve what's up in your world hey so I am 27 years old I am

making around $76,000 a year between my full-time job and a part-time job that I picked up.

Cool.

I am fortunate to not have any credit card debt, which is great, and I'm very thankful for that,

but I am sitting around $45,000 in debt between my student loans and a car loan.

My student loans are around $31,000 across five loans with my highest interest rate at 6.6%.

And then my car have about $14,000 left at a 3.79% interest rate.

So I'm sitting around $6,600 in my savings account, and I followed along with

the show and hearing, you know, the goal of having $1,000 in savings is great. However, having

that little amount also gives me a lot of anxiety, thinking of, you know, random things I could

come up here and there, car breaks down, you know, extra expenses, things like that.

So I guess my question is with my lowest student loan being around $3,000, technically I do have a savings account to just start, you know, knocking that out right away while still having a little over $3,000 left in the account.

So I guess the question is, should I plan to start drawing from that savings account

to start knocking those student loans out in the car out, paying extra there,

or should I leave that savings account alone, look at refinancing?

I'm not sure.

How deeply are you willing to cut your lifestyle and how many hours are you willing to work to where you could do this in one year?

Yeah, so.

46, what do you say?

41,000, right?

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