This is how I paid off $165,000 in debt and saved $20,000 in just 15 months. Like so many Americans Cheri and I were in a cycle of accumulating credit card debt and paying it off by rolling our credit card debt into our mortgage and declaring, "Never again " Without any skills or tools to change our behavior, it happened again and again... for nearly sixteen years.I believed the lies. I believed that debt, credit cards, and car payments were tools...