Toy or Ramsey?

Emergency fund for living expenses during the next government shutdown. I know the .gov claims it won't withhold payments, buuuuut.....
 
You just sold your toy and have 7k cash in your hand.

@JLDemo sends you link with a nice suburban that is 7k.

Do you do the Ramsey approved version and pay off a loan that’s at a low interest rate. Loan is auto deducted and you don’t even notice it anymore.

Or

Fulfill your want of the month and get a new Toy to fulfill the hole in your yard and heart.

The only input from the wife is an eye roll. She truly doesn’t care as long as the bills are paid.
What’s your interest rate on the debt?
 
You have $0 to your name. You can take out a $7k loan and buy a toy. If that’s what you want, do it. You don’t need the internet’s permission to finance your recreational wants.
 
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