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@cobra2 I was thoroughly, completely wrong about getting the loan to pay off debts. My stance was completely retarded. I apologize.
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@cobra2 Mostly reflection on our discussion. The fact that I was saying emotions win, but also math wins was obviously incongruent. The math you illustrated was blatantly solid. I was being obstinate, sticking to "all debt it bad in all cases". I would like to attribute what I said to being surrounded by those who buy based upon feels over budget, but that doesn't remove my lack of willingness to reconsider my stance.
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@cobra2 Yes, removing the emotions is really rough. When I got out of debt I did go the snowball route because my debts weren't all that big and the interest rates didn't vary much. But I do remember enjoying rolling money into the next debt when one was paid. It was like a fun (but costly) game.
Super happy that the new plan is going to work out well. And a hat tip to you for double-checking your initial stance!
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@cobra2 @pokey Seconded. I'll add one very not-analytical thing. When there's a big burden like that lifted, I like to give myself a treat. Sushi dinner, fancy drink, shoes I've been considering, something like that. Breaks up the drudgery.
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@cobra2 @pokey Kids... the ideal wake-up call. !parenting
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@cobra2 @pokey Oh, I agree. You can't be a total robot. I just meant something a little extra.
Yes, budget is beyond mandatory. Most people are shocked when they see how much money goes to what.
Johnny Null
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