When I was in debt I felt stuck. I owed so much money in payments every month that it limited what I was able to do. I worried about possible changes to my job that would make working undesirable or big expenses that might pop up that would derail all my progress. I had trouble sleeping at night because I never seemed to have enough money and was afraid I’d never get ahead.   Things shifted after I paid off my credit cards and car. I was able to start building an emergency fund and .