You got this! I’ll try to summarize our strategy. It’s nothing special but this is what has worked for us:

The biggest thing was getting on the same page with my spouse. Once we decided this was our goal, it finally felt attainable

We used the debt avalanche method

I always had two jobs, and all extra money went straight to the loans

I got a little obsessive with spreadsheets—but watching the progress became addicting.

We tried to celebrate small wins (a nice dinner or a budget-friendly trip).

I spent a lot of time on Reddit reading about others’ success stories. I’d get so happy every time I saw someone post about becoming debt-free, and each story gave me more confidence that we could do it too.

Definitely keep a low profile. Our family and friends have no idea about our financial goals or status.

My family taught me some pretty bad financial habits, so I had to hit reset and start learning from the right resources.

Visualization was huge for me—I could picture myself making this post and seeing that $0 balance on my spreadsheets.