 you know ask whether like it would be a good idea to put the equity yes absolutely yes use everything you can get your hands on to clear this data because when you're 100 debt free then you can save like a maniac for your emergency fund and then save like a maniac for your neck for your down payment on your next house but the great news is you're getting ready to be completely debt free fairly quick and then you'll build that emergency fund at the speed of light like we were talking about