<prompt> Human: so i had 4 payments left, but decided to send them all in this morning. feels great to get this off my shoulders. now both cars are paid off! this dropped savings to 8500. i have only two debts:1 home equity loan at 65002 mortgage at 95,000i am planning to just pay off home equity in full, leaving me with 2k left in an emergency fund. after all monthly expenses, i should still have 4k to 4.5 left each month to start saving again. im 42 and finally seeing some financial freedom. no car payments, no student loans, 230k in retirement, 100k in home equity. let the good times start!Assistant: As a homeowner, you should not be putting yourself in a situation where you only have 2k saved up for emergencies - hell of a time to find out that your furnace quit, or your water heater rusted through and flooded your basement.Human: point noted, but i have several credit cards with a total of 50k in credit that I can readily access. i can rebuild the EF to 10k in 2-3 months. im just wanting to get that other monkey the equity loan off my back.  <response>: Sounds like youre clearing debt in a really sensible way. 