I don't know what it will add to the conversation, but I thought it was worth adding in my two cents. My family of five is supported by my income (~$100k / yea

I don't know what it will add to the conversation, but I thought it was worth adding in my two cents. My family of five is supported by my income (~$100k / year). I get paid weekly. Every Friday, I go into my bank account amd transfer anything in excess of $2000 into the stock market. Some weeks that's quite a bit of money, some weeks it's not so much money. As of a week ago when I did the math, we had $65k more to our names this year than we did one year ago. Probably half of that was money we saved directly, and half was stock market gains, so I guess from a debt payoff perspective maybe that's closer to $30k. But I guess my point is, I don't think it's unreasonable to think a two income household in a higher-income metro than where I live could have $80k/yr in excess income to pay down debt with.