thanks, once i have the debt paid, I can redirect these into savings. This online program is available to anyone with Chase, i honestly don't understand why everyone does not do it..I save my time, stamps and it makes paying my bills brainless
Eventualy the goal here is that I am hoping to be able to buy another home(and use this one we are fixing up as a rental). Really this seems to be the only real path to financial independence that most people can follow. My wife and I make a reasonable living (70k combined) with no kids(can't have any

) So we are trying to become financially independent and then adopt.