re: How is my financial state at 26? Thanks for the input.

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You could be saving more. Get your savings account up to 10 large.

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Yeah - while not leaving any matching money on the table, I might even bump down the retirement savings until the debt is gone, and the emergency fund is up to around $10k to $12k or so.

Then, go to 15% on your retirement - avoid consumer debt and car loans and you'll be independently wealthy in your 40s.

Great start - but don't make a bad decision that overwhelms your many good ones.