The numbers I would use are 15% apr on cc and 5-8% on returns for the next few years if that. Betting on 10% returns today would be ill advised. The numbers (if things in life turned out perfectly) are almost identical after 4 years, but what a relief to have a cash surplus for emergencies. Having some cash in the bank is a necessity so you don't ever have to go back to paying 15% apr on credit cards when money is needed vs even the 10% that cm says you are going to get. It is not a 4 year sprint, it is a lifetime of not borrowing money(for the most part) and living off 50% of your after tax income. Living by these basic principles will always end up ahead and account for life that happens.
If you are going to keep borrowing money at 15% from yourself you might as well borrow the money from someone else for a lower apr.
Whatever you decide to do getting out of debt is a great venture and one that will take time and discipline and it will be filled with stress and grief, but it is WORTH IT IN THE END!!!!! Keep your head up and keep moving forward.
