Not a personal attack, but realize that he wants to pay down a bad debt. $500,000ish(???) in debt gone by the end of next year means that he is committing more to the debt than just interest; he is hitting extra on the principal. It takes extra cash on hand to do that. I mean, it would really suck if he was incurring new debt to pay off old debt, unless the terms were favorable and there was reasonable expectation to believe that cash flow was healthy.
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