Not at zero yet, but I'm working on it. I followed the advice of a book I read, built up a small emergency fund, then started attacking debt.
If it all pans out as it should, I can have everything, including the mortgage and $20K in student load debt paid off in under 9 years.
I'm just now in the 2nd year of a 30 year mortgage, so 9 years isn't bad.
