Allow me to bump this thread and be a bit self-indulgent. Tomorrow AM I will be officially debt-free. Paid off just over $60-grand in 33 months, not counting a few Laws of Murphy's (to borrow from Dave Ramsey). Dave is not the end-all-be-all, but helped me work a plan and change a mind-set. Needless to say...this is a pretty cool Christmas. Now get us into the playoffs, Zach!!!