Didn’t want to dilute @greg_r thread but reached bit of a milestone myself today. Ramsey babystep 6! https://www.daveramsey.com/dave-ramsey-7-baby-steps We’re doing about 80% Ramsey as we call it and we did 3-4-6 kind of simultaneously. This morning we reached our goal of having an Emergency fund of 50% of our yearly income rather then 3-6 months of expenses only. If we both loose our jobs we can stretch it to 12 months and still keep the lights on. If nothing changes we’ll have the house paid off in 6 years and that is on top of all the savings for home improvement.