What?  You still aren't done paying off your debts and closing your credit cards?  Get to it.  What are you waiting for?  It's been a while and I thought you'd be done by now.  Well, if you have not even started, you can Start today.  Today is the day.  If you are working on it already, good for you.  You are ahead of the game.  Keep going.  Don't stop till you get to the end.  You can do this.  You will be amazed at the weight that is lifted off your back when you have no more payments to anyone, except yourself.  You can actually then begin to pay yourself and build wealth.  You can do this.

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