Have you had the chance to play around with a good spreadsheet?
I really like this one:
https://www.vertex42.com/Files/download2/themed.php?file=debt-reduction-calculator.xlsxI calculated your total current minimum payments at $2033. Assuming $3000 a month to put towards it you will pay off in this order SL, Pool, Car, House. Immediately throwing the $6K at the SL it will be paid off in 12 months, with the pool following in 41 (June 2021). Your pool + SL interest is $4976. If you pay the pool first the interest is $4703. The pool is paid off first in 36 months and the SL follows in 41 months.
So really no big difference. Make your wife happy.
For fun let's see if you can throw $4000 per month at everything....
The SL is now paid off in 7 months and the pool in 24. WOW. Total interest for those two is $2933.
If you paid only $3000 and started with the car, SL, pool, home (the Dave Ramsey way) then the pool and SL interest would be $6326, so you can see why people were saying don't rush to pay off the car. (I know have taken people's advice and realize this now but playing with the math is fun.)
The DR method of lowest balance has total interest of $19,840 December 2023 it is ALL paid
The SL, Pool, Car, House has $18,878 in total interest November 2023 it is ALL paid
The SL, Pool, Car, House but with $4000/month has $13,426 in total interest April 2022 it is ALL paid
I'd attack debt hard until the SL and pool were paid, then I would redo the spread sheet with the car and the house as I rapped up my investing.
Anyway, have fun with spread sheet. I love working thru the different scenarios.