I've found that when you can quickly knock out debt you get motivated because you see progress. Then you attack the other debt so fast that even if it's at a higher interest rate, you don't end up paying much more because you've gotten rid of it.

I think you can save and spend to live for however long you live. You just have to be flexible if things don't go as plan.

That's is life. You move and change according to things that happen to you and things that you make happen because of poor choices.

You are NOT a financial failure if you rent. You are getting something for your money. A roof over your head.

You'll feel better when you get all that debt off your back.

There's nothing wrong with having a 9-to-5 job, but figure out a way to have another stream of income.

Once you finish paying for college you could reduce your life insurance.