The reason to pay down and eliminate your debts is that it opens up a great deal of personal freedom in your life — freedom to change careers, freedom to try new things, and freedom to take advantage of opportunities.

Debt is the opposite of freedom — it reduces your opportunities and leaves you with a sense that your life is out of your control. You can’t lose your job. You can’t make a career change. You can’t move to a different city. You can’t say no when your boss demands more overtime.

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I’m throwing everything I can at my only debt.

Freedom is just around the corner.