Note: I did increase the Gas budget to $90. Gas price has been creeping up here. I still fill up only twice though.
Two points I forgot to mention:
1. I will be 40 next year. I do not wish to be in debt into my forties. I committed myself to that years ago. I would eventually pay off the debt if I kept going...but I wouldn't learn anything more.
2. I Like I said, once I pay off the debts, I will go to Baby Step 3 and save up a full emergency fund (I put that at $5,000 for myself). I intend to match my company's 401k contribution at that time of 5%. My life, yes, but I wonder if Dave Ramsey's plan varies from this. Any thoughts?
3. I know I will receive a penalty from the IRS for the early withdrawal of my 401ks and IRAs. I find this to be an acceptable price to pay to get rid of my debt.
Student Loan Debt: $8,080.64
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