It's really encouraging to get a monthly update on my accounts and see we're that much closer to having a positive net worth,

Both of our cars are paid off but we make a $200 a month payment to a money market account so that if our car breaks down we have the money for a car,

Then I read the book, 'Rich Dad, Poor Dad' and that really got me thinking, ... Until then I hadn't really thought a lot about planning for the future.

[Between loans, savings and tithing to their church, the couple doesn't have a lot of discretionary income left over.] We don't eat out a lot, ... And if we do go on vacation we try to drive instead of fly.

The bank approved us for two times the amount of this house, but we decided to go with something more conservative,

I'm sure we'll take a little of that money to live more comfortably, ... But the majority will go to retirement and the kids' education.