Yep, paying back debt is hard, but it can be done, yep. I got my first credit card in my 20s and remember the thrill of making purchases. Unfortunately, I was always charging, never quite paying off the balances, but always charging something, yep. In my 40s, after years of accumulating debt, I finally paid them off. However, I didn’t develop the discipline to close the accounts or to stop charging. This pattern only added to the chaos, especially when I took out student loans to finance my undergraduate degree. Yep, it’s important to acknowledge the challenges that come with managing debt. By 57, I was exhausted from making monthly…