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Originally Posted by rexdart
unlike Marianne (I'm not picking!), I had no doubt my habits had changed and I would not be running up debt again and I would be faithful to my retirement. I was right. a little less than a year of sacrifice and lots of overtime later the debt was gone (I can't put a figure on the emotional benefit I gained from that).
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*grin* No offense taken, rexdart!
We've had an unusual situation, and I am big enough to admit that it has been caused mostly by bad decisions on both our parts, but I always tried to keep my eye on those "better days ahead". Investing in my retirement makes me feel like I am doing at least one thing to move in the right direction!
We have been slowly turning the bus around so to speak (although it has taken much longer than I imagined it would), and I am finally starting to see a glimmer of light at the end of a very long, dark financial tunnel. Once I graduate and get a nice, new better paying job we will really be rolling and *fingers crossed* be able to pay off all but student loans in less than a year. Hooray!
We were just in that minority that could not get the debt paid off quickly, not due to bad habits but just because of our specific situation (I've been at this for over 4 years now!), so we could not stop the retirement funding completely or it would have been very detrimental to our future financial goals.
You are right, though. Every situation is unique.