This month, I pulled some reserve funds out of my real estate account to help accelerate debt payoff. This leaves my emergency reserves very thin, but I've concluded I can always use a credit card to fix any major repairs, if and when the need arises.  I have applied the additional funds to pay off the Bank of America account (BofA in the account list below).  This account currently has a low interest check-writing offer (3.99%), which I might want to take advantage of.