Just found this group
My wife and I sort of did the Ramsey system. we love him. We are debt free, one kid thru college, one in college, don't owe money to anyone. Its just the daily/monthly life that kills us
Retirement is set up great, we just need to survive to get there
Oh the other pain point for us is my van is getting old but praying it holds on long enough to save what we need for the next car..
one area we never subscribed was the credit card thing.
always felt guilty about that but.. we never carry a balance. We don't spend more than we need to (because of my wife's constant restraint of me
)