That’s why I like Dave Ramsey’s baby steps, getting out of consumer debt is just step 2. You need to channel that intensity (and that money) into things that will build your wealth once the debt is gone.

In order to keep my motivation high, I made a series of small goals re increasing the emergency fund, the escrows (car replacement, house project/repairs funds) and investing (retirement and taxable accounts). Being able to mark those off one at a time has been even better than marking off the debts was!