C: $38,494 owed in January / $37,265 owed in April / IG – be debt free by Dec 31
T: I am paying off my debt
F: certain
A: continue to pay. watch/track my balance. budget with YNAB. appreciate myself for what I’ve done so far.
R: continuing to pay off debt

Does this R make sense? I think this model works but it won’t get me to reaching my impossible goal, I don’t think – because I am also thinking other less useful thoughts.