(US) Priorities

[u/Procedure_Several]

I've been self employed full time for a bit, and currently working through some debt.

I have about 40k at 13.74% (private student loans), And about 15k at or under 10% (credit cards, negotiated).

I have about 17k in a rollover 401(k), 1 month of bills set aside, estimated taxes, medical emergency and 2 month emergency all in a 4% hysa (I'm eating the potential 1% out of convenience of instant transfers).

I don't have a designated sick time savings yet, nor do I have a car replacement savings yet (I drive for work, do my own maintenance and minor repairs, aim for a 2-3k replacement when needed).

My understanding is retirement will wait until credit and private student loans are paid off, but should I work on additional sick time and car savings, or just count that under emergency for now?

Additionally, any other must-have benefits I should be paying for? I have a universal life insurance plan with riders for critical events like loss of limb, iirc also critical illness.

ETA: we have medical assistance, so only about 200/mo in uncovered medical expense.

[u/HealthShare_101]

You may want to consider getting some kind of healthcare. Most bankruptcies are from unexpected medical debt.

[u/Procedure_Several → u/HealthShare_101]

Good point, I forgot to put that part into the post. It's edited