A couple of years ago, I picked up this book from the library and we started putting Dave Ramsey's baby steps into action. Debt-free living was our goal. I had over $40,000 in student loan debt and we had two car payments when we married. Add a mortgage to that a few years later and that's a lot of debt. When we were newleyweds, we wanted to pay down our debts and we learned about the debt snowball. One problem with that was: if you don't have enough money in savings, you're destined to fall back into debt. Enter Dave Ramsey and The Total Money Makeover.
Long story short, we are now debt free!!! Woo-Hoo!