If you want to be debt-free, don't wait. Start building the habits that will get you there today.
Take a cue from people like Derek Sall, who dug himself out of more than $100,000 worth of student loans, credit card charges and mortgage payments to become completely debt-free by 30.
Once Sall decided that he wanted to eliminate his debt for good, he started living differently: He cut his expenses, took on side gigs and simplified his life.
Want to follow suit? Here are five tips to help you enter your 30s debt-free.