Author Topic: Step Two Down!  (Read 1404 times)


  • 5 O'Clock Shadow
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  • Posts: 44
  • Location: KC Metro
Step Two Down!
« on: February 10, 2018, 06:45:55 AM »
Hello All! I'm not a huge Dave Ramsey follower since I have learned the ways of the mustache however, I have to recognize and give Dave credit for the path he helped start us out on. After 4.5 years we are debt free (excluding the house and a no interest loan used to replace our siding). We were able to pay off $74k in that time period. We also had to cashflow replacing our AC, $3k in car repairs, replacing the hot water heater, and several other emergencies. My DW and I have a good income for our area, but not great. After tax income is roughly  $65k. $45k of that happened within the past 2 years since I learned about MMM. Wish I would have found it sooner! We are excited to start building our wealth instead of paying off debt. Looking to fully fund our HSA and IRA's this year for the first time ever. We do still need to build a little larger ER fund, but we should be able to accomplish that. I don't post often, but these forums have been a wealth of knowledge and motivation. Thanks everyone!


  • Bristles
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  • Posts: 457
  • Location: Crooklyn
Re: Step Two Down!
« Reply #1 on: February 10, 2018, 07:08:34 AM »
Congratulations! I have often heard that getting to zero can be the hardest part.


  • 5 O'Clock Shadow
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  • Posts: 23
  • Location: Florida
Re: Step Two Down!
« Reply #2 on: February 12, 2018, 08:41:57 AM »
Well done!


  • 5 O'Clock Shadow
  • *
  • Posts: 31
  • Location: Tempe, AZ
Re: Step Two Down!
« Reply #3 on: March 05, 2018, 01:44:18 PM »
Congratulations! That's a huge accomplishment. You will accumulate real dollars quickly now. It will be great to see your money go up instead of seeing your debt number go down. Woo!