 everybody's doing it and you've done this for thirty years now and the best part is that's encouraging to me is that anyone at any point can just decide and that's just a magic trick you can just wake up and go i don't want to live with three hundred sixty thousand dollars worth of debt anymore i want things to be different and then you just slowly but surely follow a proven process and pay it off get after it there's no magic to it you gotta get started you gotta get after it you gotta push it through you can do this