but when I started adding up our various savings accounts, we do have more than 10 thousand in different places. This is joint and individual emergency funds from putting small amounts from each paycheck for several years.

We are only losing one paycheck and not both of them. We do live in an expensive area, but for the basics, with my paycheck and that in savings, we’d be good for at least a few months. So, I am inclined to continue with the snowball. Anyone think that I should do otherwise?

Even if we end up with another 20 percent furlough later in the year, we can live on that. It only impacts what we can put towards getting out of debt.