Here's the deal Dave, it takes a lot of hard work and discipline to live within your budget and not get into debt. What you say about the $3,500 mortgage accelerator I'v said to my friends about them buying your books and plans and tapes. It's as simple as not being overweight....do not spend more than you make and save up for special or big ticket items. But they do not listen to me and when ever they call me with some deal for a car or buyers direct or Christmas party ideas because they are low on cash I always ask them, "What would Dave Ramsey say?" It's the only thing that works. My opinion and ideas - they always try and talk me into saying yes and it never works.