Episode 6 of 6
The Debt-Free Horizon
Debbie recalculates her full payoff timeline after the raise and the tax refund strategy. For the first time, she can see a date when her net worth crosses zero. She models what life looks like when $720/month stops going to loans.
Key Insight
At her new income, Debbie can be debt-free in 3 years and 4 months — by October 2029. Redirecting the $720/month loan payment into index funds after payoff grows to $62,400 in 5 years at a 7% average return.
Model This Scenario
Starting with numbers similar to Debbie's situation — adjust any input to make it yours.