Can you use a year-end pep talk? This is your show. Climbing out of debt takes T-I-M-E. Chipping away takes P-A-T-I-E-N-C-E. Reaching your goal takes E-F-F-O-R-T. Today on the Midday Money Show, we'll try to help keep you motivated. If you're not finished, you haven't failed it's just #successinprogress!