<prompt> Human: My wife and I got our first credit card about a month before our son was born. There were some complications after the birth medical so we had to put about 2500 on the card. We could only afford the minimum monthly payments of 25. All of you gave advice via posts and messaging in regards to budgeting etc. We are now debt free and I owe it all to you guys! I know 2500 is relatively small in the grand scheme of things but it was HUGE to us. It is now off of our backs so THANK YOU ALL!  <response>: Congrats! Now take the money you were putting toward the debt into savings so the next time you have an unexpected issue, you dont have to resort to paying huge interest. When you have a big buffer, then you can start thinking about paying for college retirement. 