We got a late start, and I still don't know if I'd say we're living frugally - yet. We're getting there, though. I discovered MMM back in....October/November? Don't recall off hand. Have always been horrible with money and finances. To say we lived above our means is THE UNDERSTATEMENT of understatements. Frankly, it's quite embarrassing how bad we were, but I'm slowly coming to terms with it and being able to be more open and talk honestly about it. But now we're well on our way to a full 180 - hell, at least we have a goal and we're working on a game plan. Oh, I'm 42 and wife is 43, with 2 girls 16 and 13. So yeah, not only have we gotten a late start, but we're climbing Mt Everest, too.