u/kylestewart32

Im 27 I make about 80k a year, have $23,000 in my HYSA, and $34,000 in my 457 account. My total bills come out to around $1900 a month with $500 of that being my car payment. On top of the $1900 I also contribute $400 to my 457 and have a pension through my employer. I currently owe $10,000 on my car still but recently I’m really looking at taking that out of my HYSA and paying my loan off entirely. My plan once the loan is paid is to use the $500 a month that was my car payment and increase my 457 contribution by the same amount. I feel like this is the current best path forward but I’m a little hesitant to drop my emergency fund that low. Any advice would be greatly appreciated