<prompt> Human: I am a skeptic at heart, and when it comes to personal finance I am so used to hearing about the debt people have accumulated and are drowning in...I come across a success story that sometimes I dont understand the math or how the numbers add up. I was watching a video of a debt free scream on Dave Ramseys YT channel..and came across such a story. A couple who makes 80k up to 100k over time...is able to pay off 109,000 in 23 months. I get its possible if you sat at home with no lights on and ate ramen..but damn, this comes off as one of those too good to be true stories. How is this possible? Has anyone here ever done something similar? I look at my budget and Im trying to figure out how to net 1,000 month after expenses so I can use that toward paying off debt..and these people paid 4,739 mo directly at debt?  <response>: Beans and rice, rice and beans, no life, drives 1000 car instead of leasing, its not impossible. Its how much you hate to be in debt. Debt is a pit, your income is the shovel, its a proportion issue. 100K income for 100K debt, thats doable.100K 22 tax bracket, takes home 80K a year. If they dont have any other debt, they can put 50K to mortgage. Living on 2500 a month isnt too crazy for just food, electricity, water, sewer, dirt cheap cellphone... I believe them, because Ive done similar crazy acts myself 