Bravo! Alot of MMM advice, as well as Dave Ramsey, is really to help one break their thinking and behavior patterns, and recognize there is another way. They both get you on a better path. Much of what we do is on autopilot, basically habit. If we can become more conscious with consumption, spending, debt, investment, and all matters of finance, and change our habits, this stuff becomes easier and easier as we go along. Great job getting on and staying on task with this.