“Mark: Michelle Staebell from the New York State Society of CPAs is back with us. Great to see you. Michelle: Thanks for having me. Mark: So we’re into February, and folks are there, and now ways to utilize that money. What’s at the top of your list? Michelle: I would suggest paying off debt. I think almost everybody has some credit card debt or some outstanding debt. That’s probably the best use of it. Try to hold back on those impulse purchases and just pay off some of those balances. Mark: Okay, so put that at the top, because I know one of the things you want to talk about is having an