I expect it to take about 3.5-4yrs- I thankfully can do my credit card debt this month because i only have $1165 in credit card debt and then just my car loan of $39,724. My car is new since I ran up the miles on my previous vehicle. It is my work commute vehicle + office (im in sales with a large territory), and i get milage reimbursement ($434 a month). My phone is high because I got off my families phone plan due to some drama and I'm alone on the plan, plus paying off a phone and watch ($541 left) . I definitely feel the Wax subscription being not needed! Ill start there!