10 Months For the Rest of Your Life
Imagine this. You're 27 and newly married. Up until now, your entire adult life has been somewhat shadowed by the consumer debt hanging above you: student loans and vehicles. It hasn't felt crippling, but it's an ever-present elephant in the room. Things are going fairly well, but there's a constant suspicion that this whole life thing would be much simpler (and better!) without the debt hovering and constantly absorbing a chunk of your monthly cashflow.
One more detail. With focus and intentionality, this debt could be 100% paid off by the end of this year. In a matter of months, you could forever free yourself from the financial burden you've spent your entire adult life living with. Paying off this debt will be simple, but difficult. It will take discipline, persistence, and sacrifice, but it's very doable.
One of my clients is living in this exact reality. Here's how I recently framed this opportunity to them: "It's 10 months for the rest of your life!"
10 months from now, at the ripe old age of 28, they could put themselves in a position to never again have to deal with the debt. Student loans and car debt gone.....forever! It's a line in the sand moment that will forever be cemented in their story.
Should they do it? Would you do it if you were in their shoes? Speaking as someone who has been in their shoes, and walked alongside dozens of families in similar shoes, I can wholeheartedly testify that it's worth it in every single way. I'm 14 years past the moment Sarah and I paid off ours, and life has never been the same since. It literally changed everything for us.
I think they are going to do it—10 months for the rest of their lives. It won't be easy, but it will be something they will never forget. If you're in a similar situation, I'd give you the same exuberant encouragement I gave them. Run the race, enjoy the fruits: margin, peace, confidence, discipline, and freedom. It's a priceless reward for a job well done.
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