We have 0 debt. No car payments, no mortage (we will someday, hubby is in the military we'll be buying our first home in about 3 years) and no cc debt. We do have credit cards but only for emergency purposes and for paying our bills with auto-pay. We pay it off the beginning of each month and we get to accumulate airline miles on it as well.

The last time we figured it out we save about 65% of hubbys paycheck every two weeks.

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"Why must you speak, when you have nothing to say." Horatio Hornblower