Thank you! Debt is indeed horrible, I consider myself lucky that mine has been so small and now that I have momentum, it seems like I might clear it up pretty quick now.

Adjusting by a percentage sounds smart. 30% might be more reasonable than 10% lol if you are trying to be conservative, since we see 20+% fluctuations regularly.

That is crazy your 5% wealth became 50%. So much for asset rebalancing haha. I'm in the same boat pretty much with my SP being so much of my net worth