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Nail Rat
Dec 29, 2000

You maniacs! You blew it up! God damn you! God damn you all to hell!!
Agreed with the guy who said to pay off the student loan. You won't miss $4132 from your cash reserves, they're still more than ten months of expenses, plus you have a sizable taxable investment account as well(over 4 months of additional expenses). Take that guaranteed 5% return and run with it.

Hell, I'd say go ahead and on January 1, fund a Roth IRA for both 2015 and 2016 with $11,000. That would leave you with $15,000 cash and $11,000 taxable stocks. That is plenty with your outflow.

Nail Rat fucked around with this message at 15:18 on Dec 30, 2015

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