Indeed I was wondering who would cross the finish line first, you or me, since we have both been closing in over the last few months.

We did go out to pizza and delicious sinful dessert to celebrate! :)

We are going to beef up our EF next, a la Dave Ramsey. We found a checking account that pays 4.10%, believe it or not, and so are going to just keep the money in there. We also need to fix our retirement contributions. After that, we are going to attack the mortgage.

As for how it feels, it’s strangely liberating. Strangely because I don’t feel exactly like a different person, but yesterday I felt instantly rich. I mean, we have been sending in $2000 in loan payments every month since we got married. That’s a lot of money, and now it’s all ours. We instantly gained $2000 a month in income, in a way. It’s awesome. And for the first time in a looooong time, I found myself dreaming in the shower about a trip or a business or I don’t even remember what . . . . for a long time I squished those kinds of thoughts in my own mind because the debt stood in the way.

I just hope that anyone who is listening to those (and they are plenty) who will tell them that this goal is not possible will at some point realize that yes, it is! And it feels great!!!

Thanks for your interest and your questions, and keep it up! You are SO CLOSE!!!!

I am really happy still. Tonight driving home I started to think about finances and realized I really have not too much to think about! No scheming up the best plan, just chillness. You will get there! Keep up your great progress and glad to see you’ve been able to rely on your e-fund.

Thank you for that! It’s really nice to get specific feedback, and I’m glad things are going well for you with paying for school. Soooo much easier than paying later :) I’m subscribed to you, too, so looking forward to seeing when you are able to make your big move :)