u/Spiderranger

I have a loan for an HVAC and water heater I had to replace a few years ago, it's down to just under $2,000. 0% interest. Similarly I have a credit card with about $1800 balance, also 0% interest until March 2027.

I can have those paid off pretty easily by end of year by just making the minimum payments on both, and in December my bonus will cover what's left and then some.

I've been throwing around $1400/month into a HYSA to build my emergency fund and it's almost at 3 months. I'll get an "extra" paycheck this month that will put me well over the mark. I'm maxing my employer 401k contribution already and have been for a bit. I'd like to start a Roth IRA and work on maxing that contribution (or at least half of max for this year), but I also have a car note with about $22k on it, 5.75% interest, $440/month.

My overall monthly income sits at around $7400/month. Bills all-in are around $5000. I've got a buffer of around $1000 I can work things out with. Just looking for advice on whether I should focus on the car since it's not quite low interest, or start putting into a Roth IRA.

Overall I'm behind on retirement. Almost 36, only about $23k in my 401k. Roughly $12k in a HYSA. Just want to do the best I can to make sure I set myself up for retirement.

The only context I have so far is for just the first book. For starters, I really enjoyed it. I started listening to the audiobook while on a work trip, then finished it out on paper after I ran out of listening time. It took me a WHILE to finish (for no other reason than choosing to do something else), so the lengths of time between readings may be enough of an answer for the questions I have.

This post will definitely contain some spoilers.

First, I feel like I still don't know what the Eleventh Metal does and how it aided Vin in the final confrontation with the Lord Ruler. It at least seems evident that it's what clued her into realizing the Lord Ruler was a Terrisman but I don't understand how that connection was made.

Second, I have no idea how Vin realized that the Lord Ruler was not only Rashek, but killed the original writer of the tome they were investigating and began to mascaraed as that hero.

Third, was there any hint throughout the book that Marsh was an Inquisitor? Or was that meant to be a total whiplash of a surprise?

Finally, I think I actually followed the revelation of Renoux being a kandra as I remember (or I think I remember) Renoux changing form to fit the bill early on in the story.

I really enjoyed the book and I'm looking forward to getting my hands on Well of Ascension.