5 Tips to Paying Off A Car Loan Early - How I Paid $40K in 34 Months
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- Опубликовано: 5 май 2024
- Learn what worked and what didn't. Paying off a car loan early is no small fest. I'm not telling what to do! I'm showing you what I did!
Time Stamps:
0:00 What not to do!
2:54 Tip 1 - Selling it may be an option
3:53 Tip 2 - Pick a debt pay off method
5:48 Tip 3 - How to find some extra money
8:08 Tip 4 - Use the Principal Method
10:10 Tip 5 - Staying on track
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Related Video: Should you pay off your car early?
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When I bought my brand new truck I paid over $40,000 dollars and was happy as could be but the honeymoon was over quick and the $500 plus car payment got old quick. When I first starting thinking about paying off a car loan fast, It because my number one priority. You see I started thanking about life before those car payments and life after. To honest buying a new car inspired me to to get completely out of debt. So for that it was a good thing. Some of you may be thinking do paying off a car loan early help credit score? Honestly, it dropped my a few points but not enough to cause any damage but I'll take a minor drop over car payments any day.
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This video is for entertainment purposes only. Always seek professional assistant for financial and legal matters.
Here is the link to the video I mentioned. ruclips.net/video/YYFj09myuoc/видео.html "TO PAY OFF DEBT Avoid these 8 mistakes to GET out of DEBT FAST" I realized I changed the thumbnail after creating this one.
bro i have a 24,000 auto loan debt do u think is a good idea to pay 10,000 to the principal and stay with no savings
Always keep something in savings. When I was getting out of debt I keep $2k in savings which is paper thin but that was my motivation to get it done as fast as I could. Plus that was enough to cover the things that was most probable. It worked like a champ and get out debt fast. Now I can save more than ever. Do it!
Great tip. I was making double payments per month versus paying the principal down
@@vavavogue4070
In retrospect shouldn't you been paying more to your principal?
@@user-lc7zt8sk6i from what I learned from the video yes
The Chris Rock of Financial Literacy. I'm sold, man.
😂 oh shooo he really sounds like Chris Rock...the voice is distracting me from listening to the actual information...I'm waiting to hear a joke!
@@ea6390 Exactly! Hahaha.
😂😂😂
😂
Outstanding analysis bro! 😂😂😂
Bro I did this with my car then my student loan finally I paid my first house off. My job Give us 44 hrs a week in OT with over night extra pay and every Sunday a paid holiday. I took a 3 year oath to pay my first house off in 3 year with every December I paid 30k towards principal. Meaning I paid off a 140k house off in 3 years. Now I’m working towards my 2nd house with the first house as a rent house going for 1800 a month.
WoW!!! I love it! The grind is real and rewarding! Thanks for sharing your story, you never know who may read this and it changes their life!
@@DiamondEdwards thanks for replying but u said the most important word FOCUS
Where do you work at?
@@906lane I work at a plant in Texas
Details please. You took the overtime and saved 30 k and then paid in December? If so how did you skip mortgage payments each month? Please explain I want to do similar within 5 tears for student loan. Thanks
Debt is emotional. Paid my truck off last year 40 months. That's my first and last car payment. Paid my house off in 2016. Building a emergency cash fund of 20k to 24k by end of year. Household income is less than 50k.
You are killing it! Congrats and thanks for the inspiration💪
This is my longer term goal.
💪🏽
Nice
They’ll give you a quick car loan for 40k but won’t give you a home loan as quick for 40k
Exactly! Same thing with student loans so what's really the message!
Yup
Now this is an eye opener frfr Seven
@@DiamondEdwards the message is things that don’t hold no value. They give a loan quicker for something that holds no value. than things that gain value. You wanna buy a car no problem. You wanna buy land more red tape. Another part of slavery you probably won’t understand.
We accept loans faster for stuff that doesn't appreciate because it's easy.
I'm 50 years old. I had to buy a car after many years with no car payment. My new car loan scared me to death!!!! I was literally depressed over my decision. HOWEVER, the information in this video just changed my life substantially!!!! THANK YOU FOR YOUR TIME SHARING THIS!!!!
I am honored this video helped!
You just saved my life. I was just getting ready to pay my car off because its up side down.
Now i see how to improve my credit and save money.
that’s literally me right now. I’m depressed af about the purchase I just made. I haven’t even enjoy the car I purchased because of the payments. Time to see how diamond can save me 💴! O
Sometimes how this world works really frustrates me. The fact that we all have similar situations like this is so sad. And it sucks that all these big companies just want to make money and don’t care about who they’re screwing over. They just try to pull a fast one on you and get their money. I literally bought a car yesterday. MY FIRST CAR! I saved and saved. I was tired of having to ask people for rides, and using other peoples cars. After about 2 weeks of looking at cars, trying to find something within my budget, I was tired. I just wanted a car. So I bought the last one I saw. Technically it’s within my budget but it’s at the top of my budget and the interest is high. I feel like I can’t really enjoy the car because I’m thinking about that interest and the amount of time I have the car for. But knowing that there are people like me out there, with the same situation, who have come out on the other side is such a good feeling. It gives me a peace of mind and makes me feel less scared. I know I’m not alone in this. We got this this guys. Thank you diamond for your helpful and inspiring video!
I was not expecting bros voice😭😭😭
Sound like Chris Rock
Man the Chris Rock voice.
Right was too shocked 😂😂😂
Fact 😂😂😂😂
I watched this video a ways back while in the gym after financing my 2010 Mazda 3 for $7900. This video helped me knock out a 3 year payment in about a year and a half. The numbers seem small but Im now 21 years old and this was my first vehicle Ive ever financed. Thanks so much for the inspiration!
That is awesome! Congratulations!!!
mazda 3's are fun to drive too i got 150000 kms on mine she runs like a top!
Me with financing my first Mazda 3 too :D
You're light years ahead of where I was at 21, congratulations, continue your financial education.🌝
Just focus, if you have a 9 to 5, get a part time job as well and just start knocking out that debt. Don't buy stuff you don't need and invest your money!
That’s what I been doing so I could save for a better new Car or truck just got my into a trade school & after that & get a good Job I will buy be able to buy a good car or truck
Work 730-430. Work afterward and get up and five and have no life. lol
@@DMM8389 those are the current hours I work but for construction and I’m usually pretty tired after wards I’ve been thinking about a part time after
Nuggets! Thank you!
“The new car smell was gone. They’re already talking about changing the body style”
If you and your spouse on the same page you'll be unstoppable
What if I'm single with my mind right and a good game plan?
@@user-lc7zt8sk6i stack your paper and to me being single its easier. If you mess up you can't blame anybody
@@terrellgaines88
Paper has been stacking brother. I honestly dont know the next best move to make. I feel like I've stacked and dont have anything to show for it. When you dont have paper you want to buy all these things you dont really need. When you have the paper...you dont want to buy much of anything because you cant come to your sense about forking all that paper over.
You’re absolutely correct!! I’m a go getter and my spouse isn’t and it’s harder TRUST ME.!! He’s a I’ll use everyone else and don’t wanna go get his own smh
@@AB-oi7ov I'll believe you
I just paid off my car last year, and it is prolly one of the biggest steps of financial freedom I have ever had in my life. It is such a relief.. Freedom, less stress💜
Congratulations I know your feeling great! It feels good to work towards your future instead of paying for your past, right !?!
Same here! Up until the last five months I’ve always had car payments and new cars every four years. I decided to keep my current car and pay it off! I’m definitely enjoying not having any car payments!
It’s amazing that so many people have never had no car payments.
I also enjoy no payments but it drove my credit score down 25 points once I paid off my car off 🤦🏾♀️
@@realtalkjanedoe I remember that happened to me after I paid my car off too, although I didn’t drop that much. It will come back up though
I hate the word DESERVE. if you worked that hard, use the word EARNED.
I agree! But because I was already in debt, not saving enough for retirement, and blind broke, I neither deserved nor earned that vehicle. I was thinking short term not long term and setting myself up to be old, broke and struggling. Not good but I turned it around.
FYI, Blind broke is someone who is broke but can't see it because they are blinded by good cash flow. I just make that up! lol
@@DiamondEdwards so at what point do you deserve something that you work hard for?? I’m putting money into 401k, savings, & staying on a budget I don’t have any real debt other than student loans. Which is no more than $10,000...
@@MRiGOin23 for me the answer is when I have enough cash that I can either spent it, give it or burn it without much thought. If I deserve something it means I’ve been planning for it and can write a check.
Right!!!!!!
Then you find yourself in a web of troubles.
Amen to that!
Great info and I’m on track for 2021 with my new 2020 car.... I’m staying focused like you said.
# grinding because I love my car and keeping it.
This video just popped up on my feed. My daughter had to buy a car hers just gave out. She was’t smart and bought what she wanted, instead of what she could afford. I’ll be sharing this video when I visit her next week. I think your honesty in showing your personal payment information was what I found so impactful. I’m retired (59), own my home (on an island community), and car, with only $1600 in bills monthly. I know that reading some of the comments, that your honesty has helped a lot of younger people see the “light”. I’m just getting tired of the , “Hey mom, can I borrow 5k, to fix a problem that they should’ve have or need to. They don’t want to listen to me, I hope they’ll listen to you. Have a wonderful day.
Hey kiddo, I'm 69 years old and you just taught me something new!!!!!!! I owe you one!!!!!!👍😊😍
I really appreciate that you're so honest, you made mistakes and you own it. I grew up really poor so getting into ANY debt is terrifying and my family looks down on me. your advice was really great
Thank you. It bothers me when people talk down to other people, trying to make themselves look better. When you look at the data, it's clear that people are lying and most are not doing as well as they want to you believe. Thanks for being part of the community. This is a place to learn and grew together!
Yes I just got my car yesterday and I’m already trying to figure out how to pay it off early and you made it easy thank you ☺️
My Brother, you broke this subject down so well, I am walking around with a blessing of knowledge that I will definitely applying to my debt. Thank you, thank you and thank you again for sharing. Informative and funny.
Thank you for the kind words! Sending positive vibes your way!
I thank you so much for this video. I have been trying to pay off my car for the longest. No one told me to put extra money towards the principle. I have just been paying an extra car payment. Thank you. Thank you from the bottom of my heart. I need it to hear all this.
Never undermine the information you’re putting out for everyone! You’re literally out here changing lives thank you so much !!
I appreciate that Henry! I just keep on pushin and posting.
Diamond Edwards I can respect that! I had a horrible APR on my first vehicle. Looking to refinance and get it paid off in a year or so.
Henry Martinez We live and learn! Glad you can get out of the deal and move forward. I think this video may help you out too Paying Off Car Loan Early | Principal vs Extra Payment Explained ruclips.net/video/JLARGIGlOYM/видео.html Thanks for supporting my channel.
Thank you! I needed this! You're awesome. Thanks for sharing.
I ABSOLUTELY LOVED this video! You are an inspiration to many that feel their options are few!!
My wife and I did the same thing! It was hard and lots of arguments but well worth it!! Kudos to you. May God continue to bless your sweet family.
I glad your made it to he other side! Thank you!
Awesome video. You made it interesting to watch with your ability to “tell a story” in a sense and made it simple to understand. Well done keep up with the positive motivation. Always amazing to see people happy.
I appreciate that! Thank you🙌
I recently had bad anxiety just thinking about the car I own. I'm glad I watched this. I'll keep you updated! 😄
Please do! It's a journey but it's the journey that will prevent you from signing up for this. "bad anxiety" next time. What kept me going was thinking about what I was going to do with that money once I had no payments.
Same here!!
Me too. I jus recently got myself my dream car & man i couldnt sleep. Had bad buyer's anxiety. Im getting over it slowly, but knowing what to do will put the mind & heart at ease. Plus knowing that payments are only temporary tells me that feeling is temporary as well.
Im currently $26k , 72 months, 2.99 APR.
After watching this, it helped me clear my concerns & parts of my buyer's remorse anxiety. I got a paper calendar for 2021 scribbling plans to keep myself focus on paying off debt.
I decided to pay $74 more on my car note starting in October 2021. By January 2024, it'll be paid off.
I'm new here, but this came right on time!!! 🙏🏼 Took notes, and will be definitely paying my SUV off in a quick, fast, and hurry! 📝
Welcome aboard!
I paid mine off quick too. I hate owing ppl money, and my car was the only debt I hate. So, I doubled or tripled my payments every month. I avoid paying all that extra interest like you said. I've basically been riding for free ever since. It feels great knowing I have ZERO debt.
Debt free is the way! Better than being debt free is the mindset shift that occurred during my journey. My truck is now 5 years old and I have no plans to replace it anything soon and when I do, I will pay cash which I can only do because of properly planning.
@@DiamondEdwards Exactly! My car is 13 yrs old. It still looks & rides good. I chuckle at my coworkers that are constantly leasing cars for 1200+ a month. It's such a waste of money imo.
That’s so awesome! I know the feeling! I’m doing this with our mortgage and I’m super focused on this goal. Thank you for sharing your story 😃💜🙏🏼
So wish we would have had RUclips when I was young. I made so many mistakes. Thanks for the information. God bless!
Me too but I'm not sure if I would have listened though. I made a lot mistakes myself but now I realize it was due to a flawed view of success. This view was developed in my youth and encouraged by my environment, teachers and associates. Once I decided that the message I received was wrong and I needed to redefine success, EVERYTHING CHANGED!
I was just researching today what to do with my car note. Even phoned the the finance agency. Then I saw this video. My answer is here. Thanks guy. I'm going to hit principal only.
Great video. Clear, effective and straightforward. Thank you so much.
Thank you for being so upfront and honest! We are on track to pay off one of our cars in 1 year from now!
I’m pickin’ up what you’re puttin’ down. Good stuff appreciate it man ✊🏾
Appreciate that
Just found your channel brother keep up the great work!
OUTSTANDING! Great video and sound information because it works!
Recently got a car. First payment coming up. Wanna pay it off asap. I've heard of paying on principal before, such as on homes. Will ABSOLUTELY be applying this toward my car payments! Now THIS I understand! So glad I watched this!! A million thank yous, Diamond!!
Thank you so much! I've been searching for the answers to how to pay it off appropriately and win. You explained it perfectly. Thank you.
You are so welcome!
This came right in time! Needed to hear this! I got 2 yrs left. Trying to do it in less! 🙏🏾✨🙌🏾
💪
Thank you for sharing that nugget. Ima apply it as soon as I pay of the two credits. Truly appreciate you making this video
Glad it was helpful!
I didn’t know about that principal only payment thing. Good info, I appreciate it my guy.
Great video especially like the part about principal payments because I definitely had to learn the hard way how the bank doesn’t explicitly show that the extra payment will just be added to the next month. One thing I noticed about becoming an adult is that you really have to read the fine print and ask the right questions about things because businesses will try to get over on you 🤦🏿♂️
Yesssss, I work in auto finance and trust that these dealerships DONT care about people 👏🏼 it’s crazy seeing these loans on a daily basis
I wish I’ve known this two years ago! Better late than never though. Thank you for the info brother. New sub!
Thanks for the sub! We get to start fresh every morning.
Bro, I just discovered your channel. Please make more videos! Your content is explained so well and is invaluable.
Amazing video, was afraid there was going to be a gimmick but you laid out the truth and motivated me to pour into this debt
Thank you! I’m even more inspired to continuing getting debt paid!
Best of luck!
Got it.. Make extra income and apply only to the principal!!! Going to pull out the paperwork and review these numbers... Im tired of seeing our numbers move like a sloth!!!
Definitely going to apply this method to out debt free journey. Thank you 😊.
Thank you for this information. Great video.
I watched this video several times. I was even inspired by the video for my pickup truck. I'm grateful for the advice indeed
I honestly made that same mistake and felt so dumb afterwards. On only paying the payment and thinking it was paying it off faster. Now I understand how the principle payments work and it’s such a relief. Thank you for this insight.
Sounds like a great plan. In order for this plan to really work, you have to basically NOT buy anything else until the current debts are payed off. That is the true grind. This is where most people fail to get out of debt.
Indeed, scaling back lifestyle is a hard feat, but everything scales up once your debt free💯!
Great info! I just brought a car and was looking for tips on how to pay it off early. Thanks!!
You are not alone.
Good talk.
I felt trapped in my agreement. Thank you for making this video and giving me motivation. It CAN be done 😅 Just have to stay focused. Thank you again!
Without Tip 5 anyone chances of success is significantly impacted! Stay focused and don't listen to people who are broker than you! You CAN DO THIS!!!
Head down grind up! Loved that
I just Subscribed and looking forward to wipe out dept I'm focus now to pay off my new SUV early I'm glad I found your Video you speak with great knowledge on how to work money AKA a dollar for some strange reason I think can do this Thanks Bruh 👍🏽✌🏽
Thank you Brother!!! I really needed this information❤❤ It's very useful👍
I really appreciate these videos. I just bought a new car and I saw this one and the one about principal 🆚 extra payments and it gave me a clear plan going forward. Thank you 🙏🏽
That is awesome! After I paid off my truck I said never again. I said that once before in my life but this time I mean it!
I love this !!! Thank u thank u thank u God bless you and your family you made this so clear and understandable to pay off the loan I’m so grateful to you and your teaching . Many blessings to you and your family and may you continue to Rise and Prosper 🙏🏻🙂
You are so welcome🙌
Thank you, I wasn’t sure about principal & interest, you explained it quick and easy
Well said, this is a good video, thanks so much
Thank you so much for giving this free advice. A lot of people keep or charge money for info like this. BTW, I paid mine off early by doing this very tip so I encourage everyone to listen to what your saying. GOD bless you!
Fantastic!
When we were raising our now-grown kids, we had a lot of debt. I decided to make extra payments to the item that had the lowest balance because, to me, I knew that would lift my spirits with faster progress. However, the "experts" at the time said this was stupid and I should be paying off what had the highest interest rate. Well, even though they made me feel stupid, I did it anyway, and I'm so thankful I stuck to my guns! There's nothing more encouraging than seeing your hard work get results. To this day, I have total disdain for any kind of so-called expert. Congrats to you and your wife--good job!
Thank you sir for the great advice. I was making double payments a month but didn’t know about the principal only payment options.
Glad it helped😀
Thank you brother. Very good info in this video. Crucial information about paying the Principal on a vehicle. Liked and subscribed.
THANK YOU SO MUCH for explaining Tip 4!!!! OMGOODNESS!!!! This was so informative and helpful! God bless you!
They got me the first time! I was like OH NO! I actually called them and had it corrected. Saved myself thousands of dollars.
@@DiamondEdwards I did this to myself as well back in 2016 SMH!
We live and we learn!
Great videos Diamond! Enjoying the content keep it up!
Appreciate it!
YES SIR! Debt really sucks. Seeing that interest charges on statements really killed me. Really made me think why I was so into purchasing things for instant gratification. Costs me so much more than it's worth. I also used debt snowball method. Felt so good not having to worry about paying somebody but myself. Making things short. I was able to close on a house. Building assets in stocks. That's a different subject. Anyways, very happy for you guys to get rid of debt. Freedom feels so good! Great video~
happy for you 🙌🏾
CONGRATULATIONS on all level! The other side of debt is so freeing. It's hard to put into word the feeling. Having money giving options. Options reduces stress and that lead to a happier life. Next month will make two years since becoming debt free and I've been invest all that money plus some and I could not be happier with the growth. "Off the Charts"! Makes me think what was I thinking back then. Investing is where want to take the channel but felt I needed to start with the foundation! To often we try and skip a step only to fall on our face! Stay focus and keep up the good work!
This is the first video I’ve watched where the scenario ends with keeping that nice car you bought. I feel like having a partner that was committed to the financial freedom of both parties was a tremendous advantage.
Getting our thoughts aligned on how to reach our goals was a true game changer! I am glad we worked through it and kept the car!
Wow this video helped out soo much. Just got into a 28k car loan at 22 years old. Looking for ways to pay it down and will definitely use this strategy. This video was sooo easy to understand unlike other ones on youtube. Will be subscribing!!!
Great video 🙌🏾. Im actually about to make my first principle payment now.
It’s the secret sauce!
how do you pay just the principle only?do i need to call the bank to tell them im paying principle only?thanks in advance🤗
lethalbowtie yup thats all it is. You call them and say hey i want to make a principal payment only to my car. They send you a receipt and your good. The good thing when you do this you dont get charged interest so def look into it.
@@creditkingtv4115 thanks bunch
I just bought a new new because I had to convince myself I deserved it too after keeping my other car for 10 years. I am going to use this method. I actually used this method in my early twenties when I bought my first car. I actually had a great salesmen back then that told me about interest vs principal and it made a lot of sense.. It does work and necessary to pay off debt. Thank you. Great video.
That's what's up! Best luck I hope you get this one knocked out quick too.
Awesome video, my husband and I just bought a Jeep Grand Cherokee. This was very helpful. 👏🏾👏🏾
great info thank you and the way he relays the information to you is great also
Yo Diamond, thank you for the helpful information. I am about to start my journey towards debt elimination and saving, I know it’ll be a while before I get to the vehicle debt like you said but I’m willing to be patient and put in work. I subscribed, keep the videos coming!
Welcome to the community, stay focused and don't listen to broke people 😂
I suggest you watch and listen to financial videos daily it will help you stay focused! Trust me I did it and now debt free!
You just got a new subscriber!! With the game you giving away, I don’t know why you don’t have 10k+ followers. I just got a 2nd car and I’m trying to pay if off by next year. I would love to use this blueprint, I can definitely use your help, you made it sound simple
Wow, thank you! That's aggressive goal but where would we be without goals. You got this! My primary goal for this channel is to talk about about personal finance but come from a real place. When we know better we do better. I come from humble beginnings and made a lot of upward progress. I don't want to wait until I've "made it" to start giving the game. I want to help as many people as I can along the way. Share any video on my channel with someone who you think it will help. Thanks for the support!
Man...1 minute and 16 seconds into this video and I'm loving your energy bro! You DO deserve it! I feel the same way too! I'm also driving a beat up fix and drive. 😂 But I certainly make good money to get a new and nice car. I just like not have a car note, but I'm going to get one sometime in the near future to help further build credit.
Thank you for the very informative video. I really enjoyed it and learned from it as I was sitting at the Dealership contemplating what to do with my car I bought last year back in May 2020 as its been back at the dealership first for the trunk not opening, then the top wouldn't open and close, then the tubo went out and now I'm sitting here waiting to find out if I need a new transmission or not....just happy that I bought the extended warranty..Now I'm actually thinking of just trying to sell it outright and get out of the payments and buy an older car. The sad thing is it's a 2019 Buick Cascada Convertible.😪!! Anyway either way I plan on getting out of debt completely before the end of the year by either using the snowball or Avalanche method.Thanks again.
Thank you so much for the JEWELRY brother!!! I've just bought my car in full with no payments!
Enjoy it, no payments is great filling and it allows you to save up for the next one.
Ty my brother 👊 never looked at like that
Awesome video bro!! More people need to hear this.
Nice work man and thanks for sharing! 🛻
Good stuff. We put our vehicles in our debt snowball and payed them off early. No more car payments for us.
Great advice
Your an awesome inspiration to me and my family , thank you Diamond for this detailed video . I subscribed because of this awesome video. !!!! You and your family Keep up the grate work
I'm glad I can be a part of your family journey💯 Thank for subbing🙌
Good job, man! I think your wife had the right idea - now you are out of debt and you still have an awesome truck. Every high school senior should be required to watch this video before graduating! :))
Yes, I definitely learned to listen from the beginning. If any HS students are reading this DO NOT BUY A BRAND NEW CAR or an expensive car for that matter with expensive being relative. It would be new for long, you can't keep up with body style changes and that money will do more for you invested but the truth is you mostly need that money to survive at that age!
this is excellent!!! I started making principal only payments and I see the difference.
👍
Hey, how exactly do you do that?
@@neecnee9703 You can call in the payment and ask for it to go to the principal. If you pay through their app (this is what I do) you may see the regular payment and another option for principal. Pay you regular payment and then pay whatever you want on the principal. You’ll see your balance go down faster.
Thx for the info. I've been making extra payments on my car but I wasn't applying them as principal payments....until now!
Any time!
Thank you for all of these great ideas! 🙏👏👏
Great tips! I was on my way to paying up but I will def hit the principle payment button !
You got this!
Good work Diamond, we all need a kick in the pants when making payments
FUNNY... ENTERTAINING... MOTIVATING... GOOD VIDEO!😆👍🏽
Good stuff bro. Information needed just in time. Thanks 👍🏾💯
💯
Thanks for the motivation! I learned something from this. Thank you.
You are very welcome!
I sure hope everyone watching this that has debt is listening to what this guy is saying. This is valuable info!
Thank you!
Principal only. I never would have thought about that. Thanks for dropping gems! ✊🏾
Happy to help!
Thanks for the advices brother.
I absolutely love that this was achieved as a couple. You & your wife working together as a team!! Listening to each other & having the same goal ❤️ God Bless the union🙏🏽
Thank you so much! We had paid down debt many times before but the journey to becoming 100% debt-free and committed to living debt-free has CHANGED EVERYTHING. I may have to bring her on one day to do a deep dive into our journey. Thanks for being a part of this community😃
Good stuff, I wanna pay mine off in one year and keep it moving.
Go for it!
Excellent job. You and your wife should be proud. You worked together to achieve something significant
I know that app. Thank you for your service!