 All right, Kyler and Stephanie, Chattanooga, Tennessee, $123,000 paid off in two years. Newly married and set, baby. $90K to $160K was the income range. Count it down. Let's hear a debt-free scream. Three, two, one. We're debt-free! Yeah! Woo-hoo-hoo-hoo! Yeah, baby! This is the Ramsey Show.