I've read a ton of blogs titled something like "How I paid of $40K in 12 months" only to usually find they paid off $2,000 in cash, sold their car, inherited money, and moved in with their parents. Now, don't get me wrong, I'm not trying to downgrade their accomplishments or diminish their sacrifices. I'm happy for anyone able to achieve their goals, but this is not your typical debt payoff blog post.