Personal Finance FAQ

Hey, You Paying Off That Debt!

Philadelphia Bike Race - flying off Lemon Hill
The race is not to the swift.

Yeah. You made mistakes.

It stinks looking at that long road ahead.

Your friends go out. They have a good time. They have nice things.

You scrimp and save.

You don’t spend on anything that isn’t absolutely necessary to keep your family clothed, fed, and sheltered.

You have to say no when invited to join everyone for a night on the town.

“It’s not in the budget,” you have to admit.

It’s embarrassing.

You beat yourself up for your past sins.

You’re tempted.

You don’t give in. You sigh, put a little more steel in your backbone, and carry on.

On those weekends when you’re working that extra job to bring in a little more money, you wonder:

“What am I doing wrong?”

You’re not doing anything wrong.

You’re building great habits that will serve you well for the rest of your life.

You’re making progress.

What happened in the past is done.

You’ll never go back there.

You won’t make the same mistakes again.

What do marathoners do when they hit that wall at the 21st mile?

They keep running.

One foot in front of the other.

That’s what you need to keep doing.

One foot in front of the other.

You’ll get there.

And when you do, it will be one of the happiest days in your life.

Keep kicking butt.

You’re doing great!


Jason Hull, CFP®, was the co-founder of Broadtree Partners, a firm that acquires $1-5MM EBITDA companies. He also was the co-founder of open source search consultancy OpenSource Connections, a premier Solr and ElasticSearch firm. He and his wife FIREd (financial independence retire early) at 46 and 45, respectively. He has a BS from the United States Military Academy at West Point and a MBA from the University of Virginia Darden Graduate School of Business.

You can read more about him in the About Page.

4 replies on “Hey, You Paying Off That Debt!”

This is what I feel like this year Jason, with only 5 month left on our mortgage. We’ve been paying it down aggressively for 5+ years, and we’re almost there, but it’s stretching us very thin. Thanks for the encouragement!

Thanks, Joe!

We’ve gotten into biking over the past few months, and it gives me a real appreciation for just how friggin’ tough the Tour de France is. I honestly think it would take me more than a year to cover the same terrain that the TDF does in roughly a month, and I may be overstating my own physical capabilities.

Leave a Reply