<prompt> Human: I have been following this subreddit for quite a while now and I have learned quite a bit. I have put a lot of lessons into practice and now my wife and I are debt free except for our student loans. But! The money we are saving by not paying for any other debt is being piled on the loans and they will be paid off this time next year. When I first started this journey, we had 45k in student loan debt, 50k in car notes, 4k in medical bills, and 16k in credit cards. We now only have 20k in student loans. My wife totaled a car a year ago and we decided to take the insurance settlement and pay off medical bills, credit cards and a car for my wife to drive to work. We ended up buying a new car, but it is now, as of this morning, paid off. Title is in the mail. I could have gone to Hawaii, but we stuck it out and I know that we, and our son, will be better for this. My parents really passed on some bad financial lessons to me, like debt was normal. I will pass some good lessons on to my son.In addition, I nearly emptied my savings account, save for my emergency fund, and paid off both vehicles. We are now able to put more into savings than ever before, are saving for a down payment on a house, and I did something my parents were never able to do for me. I started a college fund for my son and we are contributing more to retirement now than we used to pay on credit cards. Life is getting great and I really have all of the advice I have gotten from this subreddit to thank. It was tough not getting a new TV for fathers day or getting new go-fast parts for my truck, but I can pay cash for them now. Can being the operative word. Another thing I have learned is that if my old one aint broken, no sense getting a new one. I have learned the difference between a want and a need.  <response>: Well, well done! Be proud of your accomplishments! 