Have you ever looked at how much your Net Worth is? I never had. I always thought it had to do with retirement and home values, etc. But debt takes away from your net worth. One thing that motivates me is that I have set up an account on Mint.Com that tracks our net worth. It might take 30 minutes to set up, but it is very motivating. Every time we make a payment on the student loans, our net worth goes up. What a great motivator!! We owe less, so we have a higher net worth!!!
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