My only debt

other than the mortgage (and my mom’s mortgage) is the car – and I’ve set it up so that my car will be paid off this month.

I also already have a FFEF in place (6 months) and then some.

I think my problem is that I never really did have credit card debt – so I don’t have those snowball payments that can now be applied to retirement, college savings, etc.

Most of my savings was socked away when I lived wayyyy within my means (in a smaller, older home in a cheaper area). Now that I have a much higher mortgage, higher utilities, my mom’s mortgage, a growing child, etc. –
it’s hard to put money in the bank. Thank God I did it when I had it though.