My birthday is rapidly approaching and over the past few months I have been considering how to realign my 5 year goal to meet what I see in my mind. It is true that the mind will seek to achieve any goal you place in front of it. Closing the gap between high debt and being debt free (accept for my house) by age 40 is going to be a tall order to for me to complete. I have decided despite the fear and anxiety of changing my poor finacial fitness, that the time to focus on the plan is near.