I feel like I need to write this down to think it completely through.
No such thing as overposting!
I think you have a good plan. And thinking about it often can help you better your plan all the time. You said you felt like your thoughts were unorganized. as time goes on, I think you will get into a groove and it will be second nature. Give yourself some time.
I think that funding your roth now is the way to go. Compounding interest is your friend. :) Especially since you have your debts in line and have a clear order to payoff. The only thing I would maybe suggest is cutting back on youf $300/week into your efund. Maybe take all or some of that money and apply it towards your credit card and then your HELOC.
Keep in mind, although it's not ideal, you can withdraw your original contribution at any time for any reason without penalty, from your roth. So, if in the event that your healthy EF wasn't enough, you could tap into your roth.
You are doing great!!
Thank you both for your feedback.
It sounds like I'm right there with you guys on your suggestions.
Part of the reason I put my cash into the Roth fund is because it does provide a saftey valve in case I would have to access cash to cover something unexpected and significant.
I feel like I need a "healthy" e/f because we drive old, high milage cars.
I like your idea of funding Roth IRAs. I am planning on doing that once we have 2 loans taken care of which will probably be next year.
How did you decide which Roth to do? I find that part kind of confusing.
I also think it is great that you have a hefty e-fund. That is hard for us so I just put all extra $ towards debt so that we are not tempted to spend it which isn't the best solution but works well for now.
student loan paid off 2010
Bathroom remodel loan paid off 2013
Pending Car loan to be paid by the end of 2014!!!!!
I think that you have a good plan!