Joined the MMM Forums last June (2014), shortly after my wife and I got married. At that time we had a net worth of -$53,186 thanks to my massive student loans and 2 car notes. After tallying everything up for February 2015, I'm very proud to say that we've reached a positive net worth of $4,648. Since last June we've traded down my car (Mustang to xD), increased 401(k) contributions (match to max), refinanced my student loans (7.9% to 4%), and greatly reduced our monthly expenses. We still have a ton of work to do (student loans are still massive, still paying down a car, still spending too much), but I'm super excited for this milestone and wanted to share. Thanks for all the help getting here MMM peeps, looking forward to hitting more milestones with y'all!