[bella1]

“2 word solution: Dave Ramsey”

Amen to that! I will forever be grateful to him. He changed our lives so much so that I know lead his Financial Peace University class. I only wish we would have known about him 10 years before we did, but better late than never. Financial Peace University; best 9 week investment you will ever make.

[Dubh_Ghlase]

Totally agree on all accounts. If you spend more than you make, regardless of how much that is, the results are the same (a disaster).

Unless, of course, you're congress...