Curtis and Tracy are debt-free! They traveled from Virginia to celebrate after paying off $55,000 in 20 months.

Dave rants about needing behavior change in order to change your financial situation.

We're on Baby Step 1 of your plan, and we have $1,000 saved...

Lindsey and her husband are on Baby Step 5. How much should they be contributing toward their kids' college funds? They make about $75,000 a year. Dave offers Lindsey some options.

Luc and Jeanette are debt-free! They paid off $375,000 in 14 months after selling a $330,000 house.

Chris and Elizabeth are debt-free! They paid off $154,000 in 38 months.

In spring of 2009 my daughter was laid off from her regular job. She exhausted her savings, made some dumb choices and in August of 2011 found herself headed down the path to foreclosure. I listen to your shown during my evening commute and it was through your continued counseling to other listeners that I found the strength to tell her I wasn't going to bail her out of this. (I am financially in a position where I could have "fixed" this.) It broke my heart to tell her that she may be faced with losing her house. We submitted documents for modification of her mortgage and were denied; however, in the meantime she dug in her heels, found two steady part-time jobs and, based on the change in her financials, we immediately submitted the modification documents for the second time. She continued working hard, we followed the recommendations including emphasizing to the bank her commitment to the home and the community and presenting a repayment plan (i.e., reduced interest rate to what is now current (3.5% less than the original) and a small extention of the term of the loan). We were please to be told last week that the modification had been approved and my daughter will have the opportunity to hold her head up, continue to dig her heels in, and stay in her home. We are truly blessed and have grown in the experience. God is truly good!

Jim and Andrea are debt-free! They paid off $145,000 in three years before the age of 30.

Roger has two adult children living at home. He hasn't been able to get them to nail down their budgets. His wife refuses to allow them to live in their cars.

Chris and Stacey are debt-free! They paid off $58,000 in three years.