Over the last three years my family went from being $70,000 in debt to being debt free besides the house. When me or my wife tell people this, the first thought is thinking that we must make plenty of money. But we do not. Our income level is at the bottom of what would be considered middle class. So how did we do this? Well, through listening to advice from people who know what they are talking about and coming up with a few ideas on our own. For getting out of debt advice I turn to the expert Dave Ramsey. Going through Financial Peace University three years ago changed the way our family looks at money. Highly recommend anyone taking this course (Our church: Riverbluff Baptist Church in North Charleston, SC) is offering the course again starting this weekend (both Sunday morning and Wednesday evening) Second, we listened to Jim Cramer for investing advice and learned about ETF's that pay fat dividends. Our family is doing well enough now that my wife is leaving her full-time job that she has been working at for 11 years to start working part-time to spend more time with our 11 month old daughter. Like Dave says "Live like no one else, so that later, you can live like no one else"