Never Again! Start Being Smart With Your Money!

[@shibaluvs]

We lived like no one else for the past 4 years, paid off over $110,000 in consumer and student loans. We are down to $14,300. We are on fire!

[@wellnative1]

Right on!

[@ourlifewithlevi3987]

Keep it up!😁💯

[@carisiawattley4754]

congrats!!! proud of ya!

[@lriver5766]

Keep it up!!👌

[@Ethiodawg]

I can totally relate. Congratulations

[@anadiosdado7921]

Raised in poverty and that was all I knew, never again! I’m 19 and I wanna change my family tree!! 🌲 💰

[@TheRamseyShow]

You can do it!

[@TopdogPlayz]

Update?

[@NOAH576]

Update?

[@HNLKP]

He probably so broke that can’t afford internet anymore 🙄

[@robertmartinez3145]

@@HNLKP Get your negativity outta here my boii 🤦🏻‍♂️

[@xmochix604]

35 years old. Over 250k in savings. Debt free except house. Will pay off house soon! That's the goal. Hoping to become a millionaire by 41 years old! Thank you Dave!

[@Lfavored777]

JellyBean Mochi Thats awesome!

[@jorgepulidovaladez9418]

JellyBean xo show off

[@josearaiza903]

Pay off your house with the 250k saved

[@Pamela_Lopezs]

pay off your house with your savings!

[@gargoyles9999]

Jorge Pulido Valadez sounds like someone's Jelly

[@tara26777]

Started listening to Dave at 22. I’m 25 this year, married mother of 2. Homeowner. Gonna be debt free except my house by the end of the year. So grateful for Dave 🙏🏼

[@Musicienne-DAB1995]

Yay!

[@ryanthepianoman27]

What’s your income

[@tara26777]

@@ryanthepianoman27 Our combined household income is just under $200k per year 🥰

[@tracym8952]

@@tara26777 nice that means you don't have to sell the kids

[@gilmendoza8092]

I wish they would teach all this in high school... The USA would be a better place..

[@Marcocappp]

gil mendoza they taught Dave at my high school, funny thing is no one paid attention and after the class was over on graduation a couple of people threw their book away.

[@GlenisRetiredNZ]

How to manage your money should be taught in every school worldwide. Most importantly it needs to be taught to those from poor families

[@jakefmxrider]

We did a mock economy in a class when i was in middle school. Guess who took everyone's money?

[@ambition1911]

jakefmxrider Who? 🤔

[@Joshalots]

Or by Parents. Teach your kids when or if you have them.

[@abbyk4783]

Never Again!!! I’m on baby step 3, I can not wait to be a millionaire and start giving. Thanks for everything Dave🙏🏾

[@williamyoung7235]

Akeology Shea butter Congrats! You can do it. Keep chuggin along!

[@greatbritain5355]

Akeology Shea butter. You don't need to be a millionaire to give.

[@stevechamorro1880]

Akeology Shea butter ki

[@stevenbosley7502]

Congrats im glad to see this. I am literally on day one of our journey. But one day I'll get there

[@apoliticallevi]

Steven Bosley how are you doing??

[@desmondcastro3679]

$44 K in debt back in 2008. I said "that does it !"-" No more borrowing !" By Autumn 2009, I screamed "I'M DEBT FREEEEEE!!"

[@markwhittaker6866]

FANTASTIC. Please keep it that way. Stay strong and stay blessed.

[@mandysimmons2769]

It's wonderful especially now eh?

[@YellowRoses10]

Congratulations🍾

[@Musicienne-DAB1995]

Wow! Well done!

[@Thelilmissbz]

Congrats!

[@laqueenawarren8740]

"As for me and my house, we will serve the Lord" Amen!! Hallelujah!! Same for my house, Dave! Thank you for your wisdom! May God continue to bless you, your family, your listeners, and your haters.

[@numanuma20]

La Queena Warren 😀

[@pchevesp1989]

When he said that I reacted with an Amen! And took that for my family!

[@stephon972]

I really wanna improve my life. I wanna never live in poverty again. I was raised in poverty. Tore up shoes, nothing to eat, lights cut off. I am currently 26 and living in poverty. I will work towards being debt free and wealthy. I will not have kids who live in poverty. I wanna get out of this so bad. Sad part is I dont know how. But I will make it

[@Raetalkss]

Praying for you!!!!!!!!

[@stephon972]

thank you so much I will be needing it

[@CosmicAirhead]

Praying for you as well. I'm sure you will figure things out, you'll make it.

[@bob_sled]

What options do you have for increasing your income? I would definitely consider mowing lawns, delivering pizza, or washing windows. You can boost your income through that

[@granitemoss1451]

You need a plan, not just the will (though the will is an EXCELLENT starting point). Keep paying attention to folks like Dave, you'll get there. Is there anyone in your life you know to do well and have a good head on their shoulders when it comes to this stuff, maybe someone a few decades older? If so, maybe they would be happy to guide you a bit if you expressed an interest in learning how they do what they do.

[@yeseniarebollar6070]

I wish I could've heard you when I was 22. You're awesome Dave 💗

[@gondolin12]

me three

[@ekitten89]

yesenia rebollar - me four.

[@SwagLifeSeries]

yesenia rebollar how old are you now

[@bevbayb3029]

Same!

[@joeplem5329]

I agree with Dave 100% but most people will never behave with money because we live in a society where image is EVERYTHING

[@orion3706]

I had a coworker tell me her husband, who is an attorney, bought an $80,000 Mercedes to maintain his "image". The more she talked about this car, which is in the shop, the more I laughed. My brother in law is a corporate attorney and drove a 2002 Nissan Altima for 15 years.

[@TechEngineerSchool]

My co worker told me today it is difficult to maintain the image when you are broke. And I asked, why would you want to maintain the image instead of saving money, investing money, and eventually becoming a millionaire. She stopped for a second with her mouth open, then said. Well you know, I am a business major, I gotta maintain the image. And I said, you will continue to maintain the image until you go broke. And she said, well, I will never go broke and maintaining the image is very important. I just giggled and laughed inside as I continue planning the next 2 years of my financial future in my head. Hahahaha

[@kayf6617]

This is the biggest problem in the world today. People need to understand that when you are legit broke who are you trying to impress anyways? Buying things on credit more than one can afford is not how someone maintains image it's called looking STUPID!

[@anitaknight3915]

@@TechEngineerSchool that's what's sad people are wanting to keep up with an image rather than live in reality and focus on what matters. Those trying to live up to an image remind me of those living a fake lifestyle on Instagram.

[@inthevault9603]

And being irresponsible seems “rewarded” in American society.

[@fatalbertgeis2516]

Never again! I am in my forties, in poverty, with kids, the student loan debt I thought I'd never pay, but now I see the way out. Things are changing now! Thanks to Dave for the hope to win this battle!

[@endan2009]

How’s it going?

[@Jamie-qh9yt]

There’s a reason that God led me to your videos, Dave! Up until a week and a half ago I had no idea of how much your program can help people and help my husband and I. This week my car broke down and I’ll likely have to get another car. I’m so thankful that I know I don’t have to borrow money and go into more debt! Thanks for all you do, Dave! We are in the process of starting the baby steps and I’m so excited for this journey :)

[@zachallen8653]

I feel the same calling from God Jamie! Got on Dave's plan beginning of 2015, down to just my student loans then. Was told from the Dept. of Ed. it was going to take 25 years to pay them off. Nope, got my starter emergency fund in place, then jumped on Baby Step 2, and got rid of em' in 2 1/2 years! Now on Baby Step 3 and barring any true emergencies, should have this step completed this summer! God is truly blessing you and your husband Jamie and I wish you years of happy bliss and prosperity as well!

[@jc61988]

NEVER AGAIN!!! The colón family tree is changing.... and it starts with me.

[@justinjex1]

joseph colon God Bless you in your efforts.

[@amandaphayme7887]

We got this! I love you! Our family tree is changing!

[@dannyperry9734]

Take extreme ownership!! Good deal Joseph

[@OriginStories07]

joseph colon where you from man

[@kapildeshmukh7878]

Innuendo Hazbarz Very clever, innuendo.

[@yourfavtexansmindset1807]

Folks, this is what it's all about when it comes to money. Changing your family tree and being generous in the process. I'm not a multi-millionaire yet but I'm doing MY part to get there and letting the Lord take care of the rest. May God continue to bless you and your bloodline Mr. Ramsey.

[@switchbladeromance1466]

Being broke is terrifying!!!😭😭☠👎.Sooooo..I save!!!!!!!

[@magicworld3242]

Me too.

[@janebillings836]

I am 3 months from being debt free. I thank Dave so much. When I got scared on this journey I would binge watch your videos.

[@jaysmith6013]

37 years old... don’t come from a wealthy family, never had a good paying job until now. Finally on the way to getting out of debt and saving for retirement. Only debt now is mortgage which will be paid off in 6 years!

[@robmckee5295]

"Never again" moment should be Baby Step #0. I need to HATE my situation before I change it.

[@richa4146]

so thankful I've heard of you since I was 20yrs old.. now I'm 21 and cutrently working on baby step 2..

[@dontdomeboo81]

Im 36ys old and i found dave ramsey 2mo ago and i am soo happy i did! Im on my way to financial freedom

[@jimroscovius]

We were there at about the same age - mid 20s. We got through it and swore we would never be there again, and we weren't. We have been debt-free for two decades, and paid off our house during Covid. We aren't rich, but we're close to being millionaires. Keep preaching, Dave!!

[@tabithabovia]

Teach Mr. Ramsey!! People need to know this is doable. Just START!

[@TheToadChild]

Never again is a powerful statement. It's just two words, but it's the finality of the phrase that lets the world know how serious you are about your intentions.

[@granitemoss1451]

'It's an intentional act to not be broke" "Staying there is YOUR fault" So easy, yet so hard to put into practice. But well worth it!

[@DANIEL-ls5ku]

It's hard, but not impossible.

[@itrthho]

If it was easy...then everyone would have done it.

[@joshalberto2814]

Im going be on that beans and rice diet that ramsey talks about. Luckily im mexican thx dave

[@RJ12347]

He doesn't mean this literal tho. It just means to live below your means/income

[@dawgfansr7814]

I’ve found that Ramen Noodles with some spam is a nice lunch to change things up for cheap

[@LoveGodOutloud]

Stopppppp😂😂😂😂

[@LoveGodOutloud]

@@dawgfansr7814 you might as well eat salt 🤨

[@simplysimona4562]

😂😂😂❤️

[@yamck4215]

I’m From Middle east and I find your show a big help for me, God bless you

[@jdb2002]

I was never really in debt, but I'm working to keep it that way. And working to set myself up to retire with enough money to live through the twilight of my life.

[@tiltedcrownz9044]

I am a living witness of all u just said I'm a single mother of two going thru trails and tribulations and I'm working on financial freedom

[@Jlove94]

I needed this I will be working for my Last name no longer my first anymore

[@xxtoptankxx6873]

Wow, that really hit me to be honest. Rather than looking at just myself. What of I looked after my families name....Thank you for putting that in perspective that I understand. I'm at 16k in debt 9k is student 6k is car. At 49k a year. I WILL get this done

[@thomasokeefe3081]

I KNOW..73 yrs, old and financially fine.. I can relate to everything you say. BEEN THEIR...DONE THAT. Memory is very vivid. Great Video Dave.

[@Brandonthebeastsolis]

Talk about Devine intervention... I ask myself why couldn’t I’ve heard this guy years ago!!! I wasn’t ready for your wisdom... I’m 32 years old and still do some pretty dumb stuff but have been trying to improve. I was over 40k in debt 4 years ago and now only 4K away from being completely debt free!! There was some dumb thing I had planned already once I’m debt free and man did you save me! I actually listen now and accept my faults. I want to fix them, you came into my life at the perfect time. Was God’s plan all along and it makes me feel so good!!! Thank you sir and to this great community. Buying the baby steps now :)

[@watchmesave4912]

How awesome. You've come a long way. You're so close to the finish line. Stop by my channel. On my way to save 20k

[@alivia4907]

"when your dumb and you keep doing dumb things... That's just stupid" lol. Should be on a t-shirt! Very true and also funny

[@45138449]

You're a hero!!! You've changed millions of people's lives (and mine too)!! Congratulations from Albania and Greece!!

[@tinachanel3622]

Dave is such an inspiration. He's definitely one of the reasons I started my own channel. Everyone needs to get out of debt and change their family tree!

[@lijojohn7168]

Malayalam films

[@OkayBilly]

I’m officially debt-free!!! Thank you, Dave! Your rants helped me stay motivated!!! ❤

[@migdalin92]

*Never Again*

[@michelarosier1918]

Dave, thanks I needed to hear that. I say those exact word Never Again. I'm a student, trying to get my degree. I see how the world operate, the only person that need to be smart with there 💰 is us, we need to take control of our coins. Thanks, for sharing. 👍❤

[@jojo-eb1ib]

You really opened my eyes about money

[@pallasathena1555]

I have, just this week, been thrown a life line and been able to use legacy to clear my debts and build saving for the first time in 7 years. Dave this video has scared me into never going back down that road ever again

[@savageairsoft9259]

Dave, this is why I love you. You haven't forgotten where you came from and you can relate so well to us common, "poor" folks. You really care about people and it shows. Thanks for all you do.

[@meli1368]

You are the best Father Figure to all of us. Thank you🙏

[@sstevo4066]

This....This is the video that brings it all back. I started to tear up and I can see and feel the pain in your eyes. I am never going back to those feelings. They were the worst days of my life. I owe a lot to you, I am changing the direction of my family for generations. Thank you.

[@ladybanks9766]

I love this segment and all his Rants!!! I keep this on replay and listen to it often because it got me to where I am today. Debt Free and financially independent and responsible. Working on building my wealth! Thank you Dave Ramsey! Thank you!!!!

[@russellcuster8684]

I have been listening to Dave for 5 years and im finally got thru to my wife. Because she didn't think there was a problem, i will be out of debt in 18 months.

[@robertfrench8734]

Thank you Dave!!!!! I have seen several of your videos now, but this one struck a nerve. When you talk about changing your family tree and how your 5th grandson is covered! That’s a beautiful statement that I WILL say one day. After the video finished, we paid off two credit cards to the tune of 1k and cut them up on the spot! Two more cards to go. Thank you sir!! GOD Bless!!

[@stevengtv]

Never again will I own a credit card, or get any kind of loan that isn't a modest/small mortgage.

[@borisvandruff7532]

Steven G Not sure if you’re aware of Dave’s mortgage guidelines, but they are as follows: The payment should be 25% of your take home pay, and it should be no longer than 15 years, fixed rate.

[@tthomaselli2]

"Start being smart with your money!". My parents first told me that around the time I opened up my checking account in mid-2007 & applying for my first-ever "secured credit card" in late-2010 & I never forgot it.

[@Subourboncowboy80]

Thank you for being so honest Mr. Ramsey. You are the man! May God continue to bless you and your family and your good works.

[@epkrass]

I am 19 and I am going to make sure what happened to Dave Ramsey NEVER happens to me and my family. My college tuition is already being paid for and I am saving up for a starter home. My goal is to become a multi-millionaire by the time I'm in my 60's. I am also planning on investing as soon as I get a full-time job (Probably when I am 21 or 22).

[@chuycanseco5515]

Glad I found this video at age 24! Getting rid of car payment in 4 months !

[@MrAceman82]

Once said "never again" and that was my turning point.

[@lizaclaire8992]

I'm 21 years old and about to graduate college debt free with a solid job lined up thanks to you, Dave.

[@davidthomas-ot4cl]

I started listening to Dave about 10 years ago. The baby steps seem overwhelming when you first hear them. Just take it one step at a time. I started on step 1 and now I'm on 4, 5 and 6. Suddenly step 7 seems within reach. Just keep going!

[@andrewmcquain]

You saved me Dave. I almost made the worst decision of my life and got into a mortgage that would have been half my income with only 5% down. The place would have needed repairs. I was in escrow. I am now out of it and will never do anything stupid like that again. Goodness gracious. I will do this the right way.

[@austinselleck9484]

When my wife and I first got married I knew the feeling. I had student loan payments, I had bought a car I couldn’t afford, just bought a house. If it wasn’t for working a lot of overtime there’s no way we could have made it. Now, emergency fund, a lot less payments, and it’s only been three years. Not having payments is the key to being comfortable.

[@BrownWoman1011]

Thank God for this honest man.

[@catcall569]

I have not gotten where I am due to listening to Dave Ramsey because I just started listening about a couple of weeks ago but I have to admit, I love this guy and honestly I could have used his advise 30 years ago and would have greatly appreciated it too. This is my new favorite show. I can listen to this guy talk all day and I do.

[@granitemoss1451]

It's hard when you've found this path and are following with great results, yet those around you have no interest in bettering their finances or future. All I can do is set the example and lead if asked to do so, but folks are too busy buying coffee out every day and then complaining they can't pay their electric bill to consider it. Like Dave would say, "too broke to pay attention". It's all up to them, but it's hard when you've learned better and want better for them as well.

[@sarahburggraf861]

I personally love how down to 🌎 dave is! Real talk. He keeps it 100!

[@robertrouillier6319]

The pride that comes with leaving generations of your family wealthy is amazing.

[@christongamose7773]

I'm from the Pacific Islands and this is how most families live, paycheck to paycheck, myself included. I'm sick and tired of it. Praising God I found this channel. Time for change. Let's go!🔥

[@TechEngineerSchool]

My co worker told me today it is difficult to maintain the image when you are broke. And I asked, why would you want to maintain the image instead of saving money, investing money, and eventually becoming a millionaire. She stopped for a second with her mouth open, then said. Well you know, I am a business major, I gotta maintain the image. And I said, you will continue to maintain the image until you go broke. And she said, well, I will never go broke and maintaining the image is very important. I just giggled and laughed inside as I continue planning the next 2 years of my financial future in my head. Hahahaha

[@wastelanddan7388]

Potentially the single greatest Dave Ramsey video ever.

[@Lyrikhan19]

Dave is a living testimony! Thank God for your life and for helping others! 🙏🏽

[@nicholeknight1893]

I listen to Dave more than anything. I'm just tired. I'm starting my journey. I'm excited. I've been stupid for 42 years. Enough is enough.

[@Musicienne-DAB1995]

Good luck to you.

[@maggie4619]

Never Again , I never want to be there again , with my broke self , my in debt self , my irresponsible self . I can be good with money, I can turn this around Thank you Dave Ramsey

[@YeahSureNoWorries]

I'm currently in baby step 2. $30.000 left. It's so hard. The only way to stay the course is to listen to Dave Ramsey every single day. I watch youtube, his Audible audiobook, his Podcast and it's still so hard. But I'm sick and tired of being sick and tired. Wish me luck. ✨

[@MShah-ch6st]

How is it going right now after 4 years that you last posted?

[@YeahSureNoWorries]

@@MShah-ch6st so cool to see my old post. WOW. Okay so I was able to get out of debt. build an emergency fund of 6 month worth of expenses and now am working on the mortgage. 108k to go and I think I can do this in 3 years. Dave Ramsey changed my life. Bless Dave Ramsey

[@andrealuneau2050]

I will be eternally grateful for this man ❤ I will be debt free soon because of his ministry, thank you Uncle Dave 😁

[@nopets]

What kind of person gives this video a thumbs down??!?

[@th3p00r5]

Brett Williams < people that don't know what Dave was talking about.

[@ginastarke2]

High school students required to take his curriculum.

[@jakefmxrider]

broke people

[@forstd09able]

people with PHDs in D.U.M.B hahaha

[@Jessica-Darwin]

Brett Williams for real 😂😂

[@ickstopherq6414]

I know that feeling...it’s been 8 years but that fear still causes me to manage my finances with extreme care.

[@starrstatus9341]

I've been watching and learning. Thank you for all your lessons and cander about money. I'm tired of being dumb. Because of listening to the things you say to the callers, I have started saving. I will learn. Keep posting your videos. They're much appreciated.

[@minimalmane1597]

Gotta respect a guy speaking from the heart.

[@137997311ful]

The Holy Spirit stirs my soul through your finacial talks, Dave. Man, I feel awful because of all the money I haven't saved. Time to pull my bootstraps up and on and get it together! Amen to, "NO MORE!" Thank you, Dave!

[@LetterstoApollo]

Were on baby step number 2 and its taking some time because i keep messing up. Im done with messing up. Im pulling my cash and doing the envelope system since i cant keep my act together. I dont want to live like this forever. Either change it now when Im in my 20s or later when I have a family to care for and worrying constantly.

[@skubadoobie]

JayEsmeralda_Plans live like no one else so you can live and give like no one else

[@leilanidru7506]

Letters to Apollo like Dave says, u have to be sick and tired of being sick and tired 😌

[@arleneaugustahair8393]

Create a vision wall, door or mirror to constantly remind you of your goals. As you cross them off, you will feel so much better as time goes on.

[@theyoutubeofmyname]

I left my program of getting a PHD in DUMB all thanks to Dave.

[@josebeltran23567]

being 22 and been listening since 16, I am very close to hit the millions

[@riverdaletales8457]

How .

[@janelle9990]

Never again! I’m glad I found Dave now that they’re still young so they don’t remember how hard me and Daddy struggled! Thanks Dave!

[@simonwoodson8029]

Wish I had known this years ago. All that time worrying ,checking to caller ID every time the phone rings,the sleepless nights and the filing for bankruptcy. NEVER AGAIN! I'm on the right road now.

[@JustLiving2018]

My parents didnt even talk about money in front of us, so everything we learnerd was by ourselves. Years of heartaches and being broke. It doesnt take long to get into debt yet it takes longer to get out.

[@markwhittaker6866]

So true.

[@Martz7]

Never again, I’m building a new way for my family! Amen

[@jonrobbins3268]

Thanks Dave my family will change. Starting today!

[@Jessica-Darwin]

We love you Dave !! Our lives is about to be transformed 🙏🏻♥️ Thank you !!

[@Noone-dc9si]

I learned my lesson about borrowing money and praise the Lord that it was not a large sum so I could pay it back quickly but after having that feeling of being in bondage and in slavery I will never again borrow money.

[@briangarcia3012]

Dave ramsey is the best thing that could have ever happened to me i mean that with all my heart thank you so much dave and god bless you !

[@wandersonfcastro]

Thank you so much for your words, you are an asset to our world

[@tiffanyjohnson172]

Dave taught me about renters insurance which literally saved my financial life.

[@nmc1859]

I love dave-- tough love with humility and compassion

[@erickjuma7643]

Listen guys, what ever he's saying is true in totality. Thanx

[@JTDyer21]

I tell ya you won't go wrong when you operate with cash. The cash envelope system really helps you control your spending.

[@GuillermoRodriguez-gu3oq]

I was so broke that I was saving up to be poor.

[@markwhittaker6866]

😂😂😂😂😂

[@jackgriffith9229]

Hi !! Did you just listen to Dave teach you to make better decisions??? Good 👍!! Now listen to this KZbin post yet again!!!! It’s working!!!!

[@rachellehall8639]

Thank the lord I've never been in a situation that you described at the beginning of this video. But still you put a tear in my eye, Dave!! It's heartbreaking knowing that so many people have to make those hard decisions like groceries that feed the household OR electricity that warms the household.. 😢

[@Kiva-LPP]

Ima Black Man From Charlotte, NC...just Wanted To Let You know You Are GOD Sent...Thanks For This Teaching GOD💪🏾💪🏾A Fool And His 💰 Money Will Soon Part

[@Mightyjoe_901]

Experience is the ultimate teacher.

[@lindahughes9207]

Yep, many of us have hit rock bottom, been homeless which was beyond my control, young mom with a toddler and we slept in my car, then upgraded and lived in a dive hotel, worked 2 jobs to get back on my feet, one job paid for the daycare, the other for my hotel, our food, diapers, public transpo to get to work. Leaving a legacy for my child, our tree ends with him as not having any children so he should have enough to live a comfortable life, maybe I won't reach millionaire status before I die but sure as heck gonna try to get as close to goal as possible.

[@vickycowgirl2588]

Can’t stop watching his videos 😬

[@SandyCheeks1896]

I’m on fire. I’m living on actual beans and rice and working and living out of a company truck. These next 12 months I’m funneling every cent I possibly can into my 23k of debt and savings account so I can be a free man by my 26th birthday. Thanks so much for your teachings Dave.

[@seanfobbs7575]

How is it going

[@thyronehenderson]

Dave Ramsey is a good man.

[@katrinabrie3514]

My husband and I, who both hold PhD.s in D.U.M.B., are finishing baby step 2 (a big, screaming baby) next month and will have at least 10K in an emergency fund by the end of the year. We are paying off @ 80K in student loan debt and a MOUNTAIN of debt-thousands upon thousands in credit cards, car loans and fleeces, etc. In a matter of weeks, all of this nightmare will be gone. Thank God! We get along a lot better and there’s a lighter feeling in our house as the debt is eradicated. We have spent our entire brain-washed adulthoods living in debt and going paycheck to paycheck. We’re both DONE with miserable debt. Having a 3-6 month emergency fund is key to the success of this program. My neck muscles are just now starting to un-tense. Our goal is to pay off our mortgage in 2-3 years (while putting away 15% in retirement). WE NEVER WILL DO DEBT AGAIN. When the mortgage is paid off, we hope to visit Nashville for a primal debt-free cathartic scream that will be record-breaking in decibels and ferocity.