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Well, I already fell short. I had hoped to hit zero by the beginning of this year. And then comes my goal of debt free by the end of this year. Maybe, we'll see.

I'm 30, and worth $100,000. I'd hoped to be worth quite a bit more by now, and compared to many on this board I'm behind.
But when I compare myself to the average joe, who's hooked on his credit card and uses his home equity like an ATM card, I am doing fine.
My philosophy is now to do what I can, and not sweat the rest.
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