 The Ramsey Show. Completely laser focusing is the number one key to becoming debt free. Everybody tries to do about six things at once. I'm going to put money in my kid's college. I'm going to put money in my retirement. I'm going to put money extra on the house. I'm going to use credit card points. And that's what most Americans do. It is not a math problem as much as it is an emotional decision. And it's incredible.