We started the baby steps 10 months ago and have paid off over 55k in just that short amount of time. We have been blown away by the progress we’ve been able to make as a result of keeping and following a written budget and using the envelope system. We received our biggest tax bill ever this last week, and an amazing thing happened… We were not stressed and were able to write a check. Sure, it slowed our debt snowball but the peace we have from knowing where every dollar is going and that we can take care of the bill quickly is priceless! If we had received a bill like that and weren’t living on a plan, we would be stressed out of our minds and at eachother’s throats. God is good, and we are blessed. Thanks to Dave, we are on the right track and truly are experiencing Financial Peace!!