When I was 24 years old I set a goal to pay off all my debt. I had a car loan and multiple credit cards, all totaling about $30K.   After multiple years of sacrifice and making giant payments, the debt was finally gone. It was an empowering journey that has forever changed my outlook on life.   After my debt was gone, I set another goal to build up an emergency fund. It felt so different paying myself vs. the bank and credit card companies. Different and so good. I had a solid .