<prompt> Human: For those of you who have stuck with your PF journeys for a long time, I need a bit of help inspiration. Im in the early stages of PF and am very excited about it - Ive downloaded YNAB, created my budget, set up my savings goals, and Im ready to move on to the next step. However, this next step pretty much means waiting around for 12 months to pay off my debt. As your typical instant-gratification millennial, Im not a big fan of this waiting game. For those of you who have stuck with your PF goals long-term, how did you get through these beginning stages when everything seems to move at a snails pace?  <response>: PF is supposed to be routine and boring once everything is set up. Stick to your plan until your plan changes. 