Financial Priorities- After debt what next?
Im 29, currently in a bit of an odd financial situation due to some unexpected expenses, medical costs, returning to school, moving states and some just plain stupid financial decision sprees on my end.
Quickly blew through any savings from my old job and ended up with 19K CC debt (now down to "only" 10k after a year) plus about 30k left in car and student loans left (both around 4.5% interest).
Currently have about 100k saved in retirement accounts, in steady, enjoyable work (~90K year, have been told I have a strong chance for a promotion to an extra 25k, but not guaranteed) plus has a pension tied to it.
Current priority is paying off CC debt, then funneling that money into a rebuilt emergency fund.
Really wanting to move to a house since rent has been increasing at 10% last couple years, but not sure if its more prudent to max out 401k over something like house saving. IRA gets maxed every year I can, only missed a few due to being in school or dealing with the debt this year.
Even now, my current rental is about $1400, average mortgage (for a house that would be a space upgrade from current situation) looks to be around $2200-2800 mortage, not even including repairs/maintaince. Car and student loans are both low enough in interest that I'm not concerned with prioritizing them, with car loan is being paid off next year as scheduled.