Rodney

Lose the car; aside from putting more money away, with a pad of just $100 a month over expenses, you don't have the resources to survive any serious bumps in the road, like prolonged unemployment or a salary cut, in which case you might have to give up the car anyway (and there's always the risk that your financing will be under water at that point and you might have to _pay_ to get out of the loan.)

I'd also try to pay down the credit card debt, although your rate is unbelievably good. Is that a permanent rate, or a trial rate that expires?

Some people are big on debt and leverage and cash flow, but personally I think the best thing is to be _out of debt,_ except for things like house payments, which frankly are necessary and can be seen as long-term investments in the right market (not sure this market is the right one).