We are going through FPU and WE. LOVE. IT. We are on baby step 2 and we are feeling a little gazelle-ish and wanting to get rid of our last credit card ASAP! Looking over the budget, we should be able to pay it off in 12 months. We will have to use our tax refund next year to finish it off. One thing that Dave recommends is to stop 401K contributions while doing this. If we stop our contributions which are currently 5% + 5% matched we will lose money. Also, we wouldn't be able to pay it off any sooner than 12 months even if we did that, so my thinking is to NOT stop the contributions. What do you think?? Thanks in advance for your wisdom!!