So I guess I sound irresponsible to not put the 2k toward the debt
i personally don't think so....it's like trying to empty the ocean with a teaspoon. or like me cashing my ENTIRE paycheck and putting it ALL towards my mortgage....well, my mortgage is around $289,000 and trust me, i don't make near that in a month!!!! LOL it doesn't solve my DEBT problem and just puts me further in a bind.
we aren't talking tons of cash here.....if it was 5 grand, i'd have a totally different view.....against all the standard recommendations, i just took a small $5k loan against one of my retirement accounts (the one with the biggest balance so it hardly made a dent) and i paid off my car, a very old closed credit card and our power bill which was insane for December. owning the car free and clear is a glorious thing....good for ME, not just financially, but emotionally, mentally.