<prompt> Human: I posted awhile ago asking what steps need to be taken in order to gain complete financial independence Im looking to move out of my moms house and want to be prepared. The most common answer I got was pay off all debts. Today, for the first time in 4 years, I am completely debt free. I just wanted to thank this subreddit and those who encouraged me to take this major step!Edit: a few have asked me how I did it if I have any tips. Im not sure if I am the best person to provide advice because my debt was relatively small and my methods were rather haphazard. My debt was from a credit card used for daily expenses during college. There are various reasons why this route was chosen instead of using a savings checking, but I wont go into that. How I paid it off? I contributed money whenever I had at least 100 to spare. I made a huge effort to stop using the credit card. I saved 10 - 15 of every paycheck and put all extra money directly into savings extra money is anything received outside a normal paycheck. Yesterday, I noticed that the sum of my savings and checking accounts was finally greater than my debt. I decided to take the plunge and finally go debt free.  <response>: Congrats man! Thats awesome! 