Right but to really have been "gazelle" he shouldn't have had kids. Then he could have cleaned up the mess a lot faster.
But reality is that most people will not postpone kids.
Truth is that paying off the debt is not in their best favor. What is? Having more cash on hand in case one of them loses their jobs.
Right now they have debt and they won't knock it out fast enough that they can survive if they lose either job. Well they could, but they'd be basically treading water.
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