Cutting away at the debt...over 3k down so far this year. I'll be moving some debt around this month, paying off the personal loan I took out with Discover a year ago but will take out another loan at 4.44% (rather than 10.99%) to do so (and the loan balance will be 10k, not 20k!!) I still have north of 30k non- mortgage debt and north of 101k total debt, but by mid -year, I expect to be down on both. Debt reduction is still the main focus here, but I think by next year, I might be able to think about increasing the savings as well. I'm currently saving 10% per pay to retirement and I'd like to increase that to 12% and ultimately 15%, but with the debt load, I'm not there yet.