It is good to see so many FPU people on here. I would love to go to TN and take the counselour training Dave Ramsey offers. After we did the FPU classes I shared with others. It was interesting to me that many of the people who took the classes, did not apply the information. Now that we are debt free ( only a mortgage left) I can not even imagine living under the stress of debt again. It really is as Dave says "Freedom!".