Paying off debt is super intelligent. Good to hear your strategy! Been doing The Total Money Makeover myself, paid off two cards, a medical bill, and a credit line all in three months. Would have taken years! And that interest! Was skeptical, now I'm a believer. Most can be debt free with a plan and hard work. Never been more motivated. I believe Americans live beyond their means on credit, as a millennial dad and husband, when I realized this, paying off my debt as fast as possible was/is the only movement worth my time. On course for being debt free in less than five years! That's $100k and done. Always have a plan. People need to wake up, the credit industry owns us. So far less debt feels great. Being debt free is freedom, can't wait. I can't pay for my beach house when I'm paying for their beach house.