This is the personal finance show for responsible adults who want to get out of debt and save money. My wife and I were average: We paid off our credit cards every month while saving a little in our 401k. We had plenty of time. Then, in 2006, we took out a car loan. WHAT? We should've been doing better than that! By 2007 we were consumer debt free and paid our house off in 2015. I haven’t had a credit card in over 10 years and no longer have a credit score (according to TransUnion December 2017). But we do have 500k in savings and investments because we began to PAY ATTENTION - NOT INTEREST! Listen as I walk you through the thoughts and ideas I had while going from a negative net worth to completely debt free. You too can have no debt, no credit, and no problems.