<prompt> Human: Ive been paying off debt for the last 4 years. Just made my last payment. Student loans, car, credit cards are all at 0. 4 years ago, it was 40k.I have a good job, my wife has a good job, but half of my income has gone to debt reduction. She owns our condo, and thats her only debt. I know the various money guides say to put 5k to a Roth, increase 401k funding, build 3-6 months of expenses into an emergency fund, but Im having a hell of a time coming up with any motivation to do so. Ive never had a paycheck in 4 years that didnt have a piece go towards debt. Ive gotten my monthly burn down to ludicrously low levels, but I just dont care about taking my savings account from 1k to 10k. Feels like its just a number. How do people stay motivated to the right thing?  <response>: Automate it so you dont need to stay motivated. Having to consciously deactivate recurring transfers is harder to do than forgetting to move 400 into your IRA one month and deciding to let it slide and spend it elsewhere. 