Congrats! That is truly a significant achievement. Now, to avoid accumulating any credit card debt again in the future, I recommend opening a money market fund and setting cash asside each month in that account to use as an emergency fund. If you have not already done so, this is a great way to have cash set aside for unexpected cash needs like your refridgerator dying or needing car repairs, etc. It also helps if you have an unexpected interruption in your income. Most financial experts say you should have 6-8 months of living expenses saved in a cash account like a money market fund. Cheers!