conversation: User (deez7): "I take home around $3100/month and put $50/month into a Roth IRA and save $200/month into an emergency fund.  I contribute 6% of my income to my 401k (my employer matches 3% of annual income).  The rest of my money goes towards fixed costs of living expenses and debt repayment.  I currently have $1700 in savings.\n\nDebts:\nCard 1 (1500$ @ 0% APR until December then 29.99%) Minimum payment of $55\nCard 2 (1500$ @ 0% APR until May then 12.99%) Minimum of $50 but paying $300/month\nCard 3 (7000$ @ 3.25% APR) Minimum of $100\nPrivate Student Loan (31k @ 6.99% fixed) Payment of $280\nFederal Student Loan (33k @ 5.25%)  Payment of $240\n\nI'm going to use the avalanche method to pay off the high interest credit cards with 0 APR first.  Now I have a couple questions:\n\n1) Should I stop saving $200/month into savings and only keep $1000 in an emergency fund while paying off debt?\n2) Should I drop my 401k contribution to 3% (which will add $100/month to my paycheck) and withhold from investing in my Roth IRA ($50/month)?\n3) After paying off the high interest credit cards which debt should I focus on next, the higher interest student loan or the low APR credit card?\n4) Do I focus on aggressively paying off my debt until I don't have any more? How long to I keep being aggressive (meaning, how long do I only keep $1000 and not put anymore into an emergency savings). \n\nI'm 29 years old and would really like to a buy a house in the near future, hopefully &lt;5 years."
  Self: "You might have incorrectly formatted line breaks. To create a line break, either put two spaces at the end of the line or put an extra blank line in-between lines. ([See Reddit's page on commenting for more information.](http://www.reddit.com/wiki/commenting))\n\nI have attempted to automatically reformat your text with fixed line breaks.\n\n----\n\n&gt; I take home around $3100/month and put $50/month into a Roth IRA and save $200/month into an emergency fund.  I contribute 6% of my income to my 401k (my employer matches 3% of annual income).  The rest of my money goes towards fixed costs of living expenses and debt repayment.  I currently have $1700 in savings.  \n&gt;   \n&gt; Debts:  \n&gt; Card 1 (1500$ @ 0% APR until December then 29.99%) Minimum payment of $55  \n&gt; Card 2 (1500$ @ 0% APR until May then 12.99%) Minimum of $50 but paying $300/month  \n&gt; Card 3 (7000$ @ 3.25% APR) Minimum of $100  \n&gt; Private Student Loan (31k @ 6.99% fixed) Payment of $280  \n&gt; Federal Student Loan (33k @ 5.25%)  Payment of $240\n&gt;   \n&gt; I'm going to use the avalanche method to pay off the high interest credit cards with 0 APR first.  Now I have a couple questions:  \n&gt;   \n&gt; 1) Should I stop saving $200/month into savings and only keep $1000 in an emergency fund while paying off debt?\n\n&gt; 2) Should I drop my 401k contribution to 3% (which will add $100/month to my paycheck) and withhold from investing in my Roth IRA ($50/month)?\n\n&gt; 3) After paying off the high interest credit cards which debt should I focus on next, the higher interest student loan or the low APR credit card?\n\n&gt; 4) Do I focus on aggressively paying off my debt until I don't have any more? How long to I keep being aggressive (meaning, how long do I only keep $1000 and not put anymore into an emergency savings).\n&gt;   \n&gt; I'm 29 years old and would really like to a buy a house in the near future, hopefully &lt;5 years.  \n&gt;\n\n----\n\n^(I am a bot. Contact) ^[pentium4borg](https://www.reddit.com/user/pentium4borg) ^(with any feedback.)"
  