You need some quick wins in order to stay pumped enough to get out of debt completely.

There are no shortcuts when it comes to getting out of debt.

You can't be in debt and win. It doesn't work.

You never cash out a 401(k) or IRA to pay off debt, unless it's to avoid a foreclosure or bankruptcy.

You must gain control over your money or the lack of it will forever control you.

You don't need credit.