which strategy would you use

[HopingForFIRE]

To follow up with everyone, I stopped analyzing it so much and put it on my discover card for a 1% fee zero interest for 10 months. I've since moved the extra cash flow to my solo 401k (75% funded now) and increasing my emergency fund which admittedly I had neglected a bit to max out loan payments and retirement funds.

Thanks all. Now on to other questions.

[Hatton]

I am glad you made a decision because this thread was getting too complicated!

[DMFA]

...not bad! Cheers. Now kill the debt beast :-)

Sometimes I complicate things to show how simple they are. Complexity is just simplicity in series (or parallel?).

[adventure]

Sounds like you're planning for FIRE, not just hoping!