Because we sacrificed early on and paid off that consumer debt, it is much easier for us to put back each month for our baby's college so it won't be a burden on him or us later in life. We have 17 years before he is a freshman in college.
We are able to put 15 % of our income back in 401ks and IRA's for retirement. This will make retiring a blessing and not a curse.
With all of that being said, what is the point of reaching Dave Ramsey's Baby step 7? To give to others freely. What would that look like? How fun would it be to give in a big way? What did God put you on this Earth to do? Wouldn't it be much easier to chase after your purpose if you weren't saddled with debt?