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Paying off debt is a big goal—and usually a good one. But some people who rushed to zero ended up regretting how they did it. Moving too fast can create new problems if the timing or trade-offs aren’t right. Here are ten reasons being debt-free isn’t always the win it seems to be.

It Drained Their Emergency Fund

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In the rush to pay off balances, some people emptied their savings accounts. Then a car repair or medical bill hit—and they had to use credit all over again. Paying off debt feels great, but without an emergency cushion, it can leave you in a risky spot.

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They Missed Out on Retirement Contributions

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Skipping retirement contributions to pay down debt may seem responsible, but it can cost more in the long run. That missed time for compound growth adds up fast. For people with low-interest debt, it often would’ve made more sense to contribute steadily while paying down balances more slowly.

It Strained Their Daily Budget

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Some people cut things so close that everyday expenses became stressful. By throwing every spare dollar at debt, they left nothing for groceries, gas, or fun. That kind of pressure isn’t always sustainable—and it can lead to burnout or even more debt down the line.

They Paid Off Low-Interest Loans First

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Not all debt is bad debt. Paying off a car loan or student loan with a low rate before tackling high-interest credit cards can backfire. Some people later realized they could’ve used those payments more effectively elsewhere, especially when the interest was manageable.

They Sacrificed Experiences

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A few skipped weddings, canceled vacations, or missed family trips to speed up debt payoff. While short-term sacrifice is sometimes necessary, it can lead to regret when it comes at the cost of important moments or once-in-a-lifetime opportunities.

Their Credit Score Dropped

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Paying off debt completely—especially installment loans—can sometimes lower your credit score. It sounds backward, but closing accounts or reducing credit mix can hurt in the short term. It’s not always a reason to hold onto debt, but it catches some people off guard.

They Didn’t Celebrate the Wins

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Some were so focused on becoming debt-free that they didn’t take time to recognize the accomplishment. The goal was reached, but it didn’t feel as satisfying as expected. A lack of balance along the way made the journey feel more like a grind than a victory.

They Neglected Other Financial Goals

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Paying off debt is important, but it’s not the only goal. Some people put off saving for a home, building a business, or investing in themselves—only to look back and wish they’d spread their efforts out more evenly.

It Led to Rebound Spending

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After being super disciplined, some people went right back into old habits as soon as they hit zero. Without changing their mindset or building a budget for the future, they ended up back in debt just months later. The problem wasn’t the payoff—it was what came next.

Faster Isn’t Always Better

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Getting out of debt is important, but how you do it matters, too. Rushing the process can sometimes cause more stress than stability. The best debt payoff plans are balanced—protecting your future, your peace of mind, and your overall financial health along the way.

This article originally appeared on Cents + Purpose.