No Pain, No Gain

by | Jun. 28, 2010


Dear Dave,

I've heard you talk to people about "gazelle intensity." What exactly does this mean?


Dear Del,

Basically, it means absolutely going crazy and doing whatever it takes for a little while to get out of debt. I'd much rather endure pain or discomfort for a short period of time and get it over with instead of living my whole life floundering around and accomplishing nothing in the process.

Some people probably think I'm using hyperbole when I give people advice on how to get out of debt, but I'm serious about it all. I've lived this stuff, man! There were literally stretches of years when we didn't go on vacation or see the inside of a restaurant. If you want to get out of debt and get control of your money, you've got to be serious and intense enough to makes sacrifices on that level for a short period of time. We call it living like no one else, so that later you can live like no one else.

It's not just dollars and cents we're talking about here. It's also about changing behaviors and mindsets. You don't need to go to Disneyland every year. You don't need to eat out every weekend. Until you're willing to make temporary sacrifices like this - and become "gazelle intense" about taking control of yourself and your money - you're never going to reach your goal of becoming debt-free!


* For more financial help, please visit

Comments and feedback can be sent to