09/03/2026
"How did you actually do it?"
That's the question I keep getting since I shared that I paid off $224,000 in debt in 22 months.
Here's the real answer, and I'm not going to pretend it was easy.
First, the debt snowball. Smallest balances first. It wasn't because it's the "smartest" math, but because I needed quick wins to keep going. Watching a balance hit zero kept me in the fight.
Second, my side hustles. Every single dollar they brought in went straight to debt. None of it touched my lifestyle.
But those two things alone didn't get me there. I picked up extra shifts on top of an already full schedule. I cut spending in ways that were genuinely uncomfortable. I delayed trips and purchases I wanted, more than once, because the debt came first.
This wasn't magic and it wasn't easy. It was a method, real sacrifice, and the discipline to point every extra dollar at it, on purpose, month after month.
Small shifts moved my finances in big ways. But there were sacrifices too. In the end, this freedom...to work when I want to, in the specialty I love, not based on the numbers (though the numbers are good!)...well, it was all worth it!