Kimberly

So we just moved into our house like four years ago, so we still have the leftover of the mortgage, which is $190,000. Oh, goodness. Okay. But let me say, we don't have the full $200,000 to our disposal right now, because the first thing I did was I paid off our HELOC, and I paid off a window installment loan. So what's left? That took away $6,000.

So we just moved into our house like four years ago, so we still have the leftover of the mortgage, which is $190,000. Oh, goodness. Okay. But let me say, we don't have the full $200,000 to our disposal right now, because the first thing I did was I paid off our HELOC, and I paid off a window installment loan. So what's left? That took away $6,000.

So we just moved into our house like four years ago, so we still have the leftover of the mortgage, which is $190,000. Oh, goodness. Okay. But let me say, we don't have the full $200,000 to our disposal right now, because the first thing I did was I paid off our HELOC, and I paid off a window installment loan. So what's left? That took away $6,000.

Yeah, so what's left from there is $136,000, but then I immediately took $40,000 of that and put it in a high-yield savings for our emergency fund.

Yeah, so what's left from there is $136,000, but then I immediately took $40,000 of that and put it in a high-yield savings for our emergency fund.

Yeah, so what's left from there is $136,000, but then I immediately took $40,000 of that and put it in a high-yield savings for our emergency fund.

Okay, so you got $95,000 to spend.

Okay, so you got $95,000 to spend.

Okay, so you got $95,000 to spend.

There's three and five actually ones in the back seat. So apologies if there's background noise.

There's three and five actually ones in the back seat. So apologies if there's background noise.

There's three and five actually ones in the back seat. So apologies if there's background noise.

And if you're going to ask about a 529, we're already contributing to that.

And if you're going to ask about a 529, we're already contributing to that.

And if you're going to ask about a 529, we're already contributing to that.

What do you think is right, Kim? Well, my gut was to pay off the mortgage or as much as we can with what's left over. But in five years, roughly, I think we're going to need two new vehicles. So I don't want to take out a loan to pay for those. So I almost want to keep some of it reserved for that. What's your income? Because our mortgage is only a 3% interest.

What do you think is right, Kim? Well, my gut was to pay off the mortgage or as much as we can with what's left over. But in five years, roughly, I think we're going to need two new vehicles. So I don't want to take out a loan to pay for those. So I almost want to keep some of it reserved for that. What's your income? Because our mortgage is only a 3% interest.

What do you think is right, Kim? Well, my gut was to pay off the mortgage or as much as we can with what's left over. But in five years, roughly, I think we're going to need two new vehicles. So I don't want to take out a loan to pay for those. So I almost want to keep some of it reserved for that. What's your income? Because our mortgage is only a 3% interest.

Income is about $140,000, which means my husband's.

Income is about $140,000, which means my husband's.