I'm assuming that you mean that in 2020 you'll take care of the final 20k, rather than waiting a year to finish it off.Been mulling whether to put this here or in one of the 2020/NY threads, but figure it belongs here.
In September of 2017, my wife and I were approximately $187k in debt (I think). Student loans, mortgage, auto loans, credit cards, etc. Around the middle of September, we decided to Do Something about that.
As of December 31st, 2019, our family is now only ~$20k in debt, and we are looking at the very real possibility that 2021 may see us able to bring that down to zero.
This triumph is even sweeter because it was accomplished while keeping loss of human life to its barest minimum. @Emrys would be proud.
That's one hell of an accomplishment either way! Way to go! Did you do something like the Ramsey plan or just budget it out?