Box of Chocolates

EEKS!  I finally decided to read The Total Money Makeover by Dave Ramsey.  I'm not seeing the end result being one we can achieve unless I go back to work.  Mark and I have worked our way to zero car payments, we have been and continue to be credit card debt free.  We refinanced the house for 15 years and are actually saving money monthly but paying off the house faster. I can dig the step 1, step 2 (because I don't need to do them) Step 3 is taken care of, Step 4 is not what Dave says it should be but we are making contributions to 401k and we have a Roth IRA and saving for retirement.  Step 5 is a thought we have on occasion, saving for the kids college fund.  Step 6 is more appealing than the college fund, paying off the house.  Step 7 is give, give, give which I can totally dig.   After reading the book I am feeling pretty good about our financial state.  Mark and I are NOT normal.  Weird is okay for me in this area.  The statistics blow me away.  I can't believe Ma