I have been mulling over how I want to prioritize paying down my 5th wheel loan. Do I not fund my Roth? Do I cut my sinking funds? Do I cut my 457 plan contribution?

I have decided the answers are yes, yes, and no.

I calculate that in 24 months or sooner, I can get the balance down to where I can pay in full from savings. This is what I am going to do.

I have cut both my travel sinking fund and car replacement sinking fund contributions to $0. I have trimmed both my car r&m and car ins/reg sinking fund contributions slightly, but they should still be adequate. This brings my bi-weekly transfer to sinking funds from $380 to $230.

I will not fund my Roth IRA for now. I will leave my 457 plan contribution where it is, 10% of gross.

(I will still take the Panama Canal cruise with my mother. She is looking forward to it and I am not going to take that away from her. She is turning 87 next month, so who knows how much longer she will be able to travel. Currently, there is almost 4k in my travel sinking fund which will more than cover it.)

24 months from now, the 5th wheel loan balance should be under $16,962.08, the current balance in emergency fund + car replacement fund. At that point, I will use as much of them as needed to pay the loan in full. (But not sooner, as I don't want to be without them PLUS still have a loan payment to make). At that point, I will turn my focus to re-building savings.