When you become a racer, you decide what debt you most want to get rid of, then go write down the exact amount of that debt- no fudging, no rounding. Each month you track what you’ve paid off.
The captains keep track of it all and do weekly shout-outs and awarding smiley faces to encourage the racers.
Sometimes you’re the hare- we paid off a full 1/3 of our race last year. And sometimes the tortoise- expecting it to be another 4 years before our race is won. But you have a goal and people to help you get there.