 And what would it be like if we had no payments? What would it be like if we had two strong incomes and no payments of any kind? How much could we save and invest then? What traveling could we do? What cars would we purchase? What would life look like if we didn't have any payments? I'm freaking out. I want us to sit down and determine where we want to be in 10 years and how we're going to get there.