You'll Never Be Debt-Free

Updated: Jan 25


A co-worker said that to me the other day.


I was talking to one of my colleagues about her money, encouraging her in her desire to get rid of her debt and achieve stability and peace in her finances. I told her about the plans my wife and I have, about how we’re working our debt snowball and plan to be free from debt in four to five years. Someone else overheard me as he walked by, whipped around and said, “You’ll never be debt free.”


That was his entire contribution to the discussion, the only opinion on the topic he expressed. He heard about the goal I’ve dedicated the next few years of my life to reaching and told me I was going to fail.


Translation: “I’ve never even considered the possibility of living without payments, so it must be impossible.”


My co-worker’s remark was off the cuff. He didn't mean anything by it and I don’t hold it against him. He’s just coming from a different place. He hasn't seen what I’ve seen. If you’re working on financial goals, especially if becoming debt free is one them, not everyone is going to understand. They won’t know how to respond. It doesn’t make them bad people and it doesn’t mean they don’t love you. It just means they haven’t seen what you’ve seen. And maybe they never will, unless you show them.


The disbelief of people around you is no reason to deny the vision you have of your future.

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