I had my second weigh-in tonight at weight watchers, and I was down 3.4 pounds. That makes a total of 13.8 pounds lost, or more than 20 percent of my goal! 2 weeks in, and I am seeing some great results. I have not cheated on my diet, and I feel confident that I am going to succeed. As for debt re-payment, I will not receive a pay check until the end of January, so everything is on hold. No big deal. I also opened a brand new Roth IRA for myself, and will probably open one for my wife in June, after mine is fully funded. We shall see.