I'm working on paying off my car that I bought last June. not used to having a car payment, usually save and pay cash plus a trade-in. This Jan, I started paying a month or two ahead with the car and the mortgage so when we went to WDW in May, I could use the money that normally went to these payments. Now, however, I'm ready to start paying down the principal in earnest. I'd like to pay it off by Jan and max out my Roth this year, too and continue aiming for maxing out 401k contributions. I've been stashing cash and will pay a chunk of the car principal this month. The 401k saving comes out of my paycheck automatically. the Roth is more challenging, I'm hoping to have at least 2 stockpile garage sales this summer to help fund it. Think these goals are a little unrealistic, though, lol. What's your goal, feel like you can reach it? any secrets for squirreling away more cash without feeling too much pain?