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Sweet bar indeed, @fat-elvis.
I waited until I paid off all my debt.
It was like forever, but in hindsight, it was quick! Only a year a half!
My emergency fund was first. I sold things that I didn't need (phew, I had a hard time parting with them), and I And I did not buy anything for two months.
I'm so glad I believed the stackers then, who kept saving that you can't stack if you have unpaid debts, that you couldn't use credit for metals . So glad.