I went through my budget and debts. By 2022 I will have all debts repaid. Maybe sooner with tax return money. The interest free debts I'll keep paying. The interest debts I'll use tax return money to pay down faster.

But it's looking like 2022 I'll be in a good car buying place. One debt will be repaid in 2021, I plan to take that money and put into savings so I have a down payment for a car. Though they say add it to repayment of debts to pay them even faster. I like building savings idea better.

2022 can't get here fast enough.