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If you want to build momentum paying off debt, the most important thing to focus on is the rollover effect. Here’s how it works: Once you pay off a debt, don’t just pocket that payment—roll it over to the next debt on your list. As each debt disappears, your payments snowball, helping you pay off the next one even faster. This is exactly how I paid off $77,000 of debt. But listen—paying off debt is not an overnight thing. It’s a journey. It takes patience, sacrifice, and a level of commitment th
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