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Thanks steve! (and _refugee_!). I don't think there's much of a choice in sticking with it beyond the tweaking that's bound to happen, I'm in way too much debt to afford otherwise (well, I can, but then I won't pay it off in the desired timeframe). I read way too much r/personalfinance and it makes me feel like none of the budgeting and planning I've done is good enough. More positivity: A couple of girls were checking me out when I was out at dinner so that felt pretty good.