I've plowed through my wife and my student loan debt at a rapid pace... AFTER I maxed out retirements, invested in rentals, and paid off everything else other than my primary mortgage. I still look at interest rates, but I almost value the amount of cash at the end of the month more... It is against the grain, but more cash = more opportunity. I can write a check and pay off the student loans tomorrow, or I can buy another house, and get $700/month in rent and add that to the payment. Long term I continue to get the rent. I know it's kinda backwards, but once you have the money you can literally do no wrong. If I don't have the cash, the bank won't generally lend out on the properties that I buy. I often get my head all screwed up in this. I then remind myself to step back, drink a glass of beer, and enjoy the progress and freedom that I already have. The games we are playing are a long haul slow grind. There are no scratch off lottery winners in mustachianism. I am way ahead of my friends and family. They all think I'm crazy, but I own 2 houses outright, and two more with liens. They are upside down in one house and can't afford a new furnace. Come Friday night, they all go out to eat and "reward" themselves. I grill chicken, and drink a "good beer" on Friday, while eating produce from my garden. I vacation with a tent and a canoe, they go to Disney. Remember to put money into a money making machine that will work for you, while paying off debt that is working against you. The longer that money has to grow the more it will produce.