<prompt> Human: I guess this is more on the personal side of personal finance.My wife and I are 29 years old, and have spent the past several years getting out of debt.We have one debt left: our houseI have been reading PF for months and understand that from a strictly financial view, it can be better to invest extra money rather than pay down low interest debt our house is 3.5.However, both my wifes parents and my parents have lost their houses in the past my parents 3 times and now rent with no hope of ever retiring. I remember packing my belongings up and moving out of our house and I dont ever want to do that again or put my son through that hes 2.So, its more important to us to own our house than to invest and try to make more that way we do both contribute 6 to our employer-matching 401ks.This is our forever house as long as the neighborhood stays nice its been a nice neighborhood for 50 years.Anyway, the past several years, we have paid off many debts like our car payments, credit card payments, a personal loan, ect. All of these debts were relatively small the largest was 9000, and none took us longer than a year. So, there was always some light at the end of the tunnel.Now, we have a much bigger snowball to handle we owe 156,000 with 28 years remaining, and Im wondering how to transition from all these small quick victories to what seems like a long grind. Our goal is to pay it off by age 40, which is 11 years from now. That seems like a much different mindset instead of the 2 to 9 months it was taking us to knock out these other debts.Does anyone have advice on how to handle a different kind of challege, a more long-term challenge like this? Ive gotten used to the quick victories and need to learn how to take down a much bigger challenge.  <response>: Break it up into smaller goals. Treat yourself for every 5000-10000 paid off. Have a night out for a nice dinner or a weekend vacation somewhere with the family. That way you have micro-goals you aim to achieve rather than staring at a massive number trickling down. 