Welcome Stephanie. If you read the posts of those who have gone before us (ie, successfully ER'd), they all seem to have a defined "plan", that barring disaster, is fine tuned along the way. So I think you are on the right track, never too early to start planning. I have control issues (ha ha) and this forum has exacerbated this condition so that now I make spreadsheets on finances....helps with the planning. Out of curiosity, was your Katrina damaged rental in SE Louisiana or south MS?