<prompt> Human: Hi all! I just had to say thank you to everyone here. I finally paid off every cent of my credit card and medical debt. Without this sub, I would never have been able to get where I am. I still have a long way to go 15,000 in student loans, 10,000 on my car but I am on my way to financial happiness. We also established our 3,000 emergency fund, am close to maxing out my 401k, and for the first time Im not scared for the future!  <response>: Cheers! Its the small successes. This sub has greatly improved my quality of life in that Ive taken serious strides to correct errors of the past, and after nearly 18 months of struggling, the light is finally beginning to shine at the end of the tunnel. My car loan will be paid off 4 months early in February, and my remaining credit card debt will be a breeze from that point. 