“A man in debt is so far a slave.” Ralph Waldo Emerson penned this statement in his 1860’s book The Conduct of Life. Over the last 5,000 years, debt has been a bain of human existence. In today’s fast-paced and electronic world, it often seems that we cannot move forward without utilization of our age-old nemesis; debt. According to Nerdwallet, the average U.S. household with debt carries $15,310 in credit card debt and $132,086 in total debt. For many, debt contributes to individual psychological stress and depression. We have all agreed that it’s terrible, but what is the fastest way to get out of debt?