but I’m wondering as to why you don’t feel the need to throw that money at building up a bigger emergency fund? You have a family and you live in CA. Contrary to what Dave teaches, $1000 really isn’t adequate for you, realistically. I understand you have a financial background, and I also understand that you don’t want to carry this debt, but to be honest, for a long time, I’ve wondered why you haven’t concentrated on building your emergency fund to something more substantial along the line of $3000 (or more to be honest) before you start aggressively attacking those bills? I’m not trying to be confrontive here, so if I sound that way, I do apologize, it’s not my intent. I just have felt with all the uncertainty, and the fact that your husband’s job situation has been rather precarious, and you do have a number of children, and last of all, you’re renting and things can always change there, why don’t you pause on the aggressive bill repayment and build up a lot more security for your family?