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<<I just have to vent a little. I have it figured that I will be debt-free on Christmas of '01 !!!! Now I'm 26 years old now so that means I'll be living like this until I'm 30!! ( My birthday is in December). This is really depressing me. I've been on strict debt-free bootcamp since November '97. I feel like I'm missing out on so much. Like a sweet apt. in San Francisco instead of this dreary ghetto land I'm in. And new clothes, etc...>>

I understand. My wife and I have taken on no new debt for about two years now. It will be about two and half years before we complete "The Great Payback." I am keeping myself motivated by reading The Motley Fool, great books, and this board. This board is great for advice and encouragement. Debt is the ultimate source of marital stress at my house, so getting out from under is definitely worth the effort.

The books I'm using for inspiration, motivation, encouragement, education are (wonder if I missed and "ations" there).

You Have More Than You Think
How to Get Out of Debt, Stay Out of Debt, and Live Prosperously.
Currently reading
The Millionaire Next Door

The challenge I am going through now is changing the mind set from consumer to saver, and convinceing my wife that we need to save a large portion of income. My biggest concern is after the debt is paid if there will be enough years to accumulate wealth to retire comfortably, let alone how to pay for college for three.

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