@every.dollar: EveryDollar user Sam reached the Debt-Free Stage after paying off $163,000 in just 29 months. With three degrees, including a doctorate in public health, Sam had $133,000 in student loans plus a $30,000 car she bought herself as a graduation gift. A few months into dating, a conversation about money challenged her to imagine actually becoming debt-free. She decided that if she was going to do it, she was going all in. She found a higher-paying job and eventually worked two jobs at once, starting her East Coast job early in the morning before switching over to her West Coast job later in the day. Now she’s completely debt-free, grew her income from $53,000 to $155,000, and celebrated her final payment by turning in her two-week notice at the second job. Her key to success: “Decide you’re going to do it. Increase your income. Go all in.”

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Thursday 17 September 2026 18:45:00 GMT