How many SC does everyone have? What are your categories? I have 11k in debt (mostly car payment). 2 of my 3 kids are now moved out and I have one left at home. We arent big on spending a lot on birthdays and such. I just feel like Saving to spend frivolously is counter productive. And if I dont spend it all, what do you do with? Move to a house fund or increase emergency? Can those of you that are really into this and seem to have it all figured out help me. To me, SF should be needs not wants. Right?
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