Tradd, I applaud you on your get out of debt push. You have made great progress. Don’t feel bad about not having a mortgage deduction, most people don’t due to the high personal exemption. Also the mortgage write off doesn’t make sense. Think about it, why spend $1 of interest to save twenty-five or thirty cents in taxes? Also a five year old car with 113,000 miles has a lot of life remaining. I know that you want Apple Play…buy a speaker for your phone. When you get an emergency fund set up, start putting $300 per month into a car fund for when you buy a newer car. Newer cars are very expensive versus maintenance on an older car. My two cents