A few years ago I took out a 401k Loan and Monday will be my last payment. I'm so excited. Now that I'm more into my finaces I know that that was a stupid move and I will never do that again. Well I don't have to because I have my starter EF in place. Now I will have an addition $138 a month in my paycheck which will go towards paying off my Target Credit Card Debt. Knowlege if power or should I say the use of knowlege of power.