I’ll use myself as an example first. When my husband and I were dating, we each had credit cards totaling more than $7,000. John had student loans and I had a car loan. We didn’t like being in debt, but it wasn’t until we made a conscious decision to get out of it that things started to change. We paid off our credit cards within a few months and started living off of one income. Living off of one income for a year allowed me to stay home with our baby girl when she was born. I started freelancing, and any extra money we made went straight to our student loans and car loan. Within two years, we were debt-free, and it felt incredible.