Hello everyone, I have been recently thinking a lot about my finances. I am getting married in a month and am working towards having a comfortable retirement. With that being said I'll get to it and keep it short.
I currently have one HYSA account through Ally with 3.1% interest that has a little over $100,000 in it. On top of my salary which is anywhere from $1,000-$2,200 a week depending on the week, I also receive a little over $4,000 a month.
My fiancé and I are going to be in the housing market later this year and I was just putting the $4,000 a month into the Ally account for a down payment, but recently started another AMEX HYSA that I would like to be an emergency fund, eventually getting to $25,000.
I owe $16,200 on my car loan, my half of rent is $1,480, and general utilities for bills. I have a SMART plan that I can cap out around $23,500 annually, but historically since I started it 5 years ago this month, I put around $9,000 into it.
My question for everyone is if I should just pay my car loan outright, keep putting money into the Ally HYSA for the house down payment or even work on capping out my SMART plan. Sorry if this was all over the place I tried having it make the most sense I could.
Thank you for reading.