We spent years not managing our money the right way. We went through bankruptcy and were headed in that direction again, until we decided to take charge of our money.

We started earnestly about five years ago by flipping credit cards every six months to get 0% interest while we attacked our debt. During that time, we paid off about $77,000 with an average income of $85,000. My wife was disabled for most of that time and not working.

The last thing we paid off was our financed car. We also refinanced our 30-year mortgage to 4.5% on a 10-year mortgage.

Thanks for helping us understand how to get here! Now we're living like no one else!

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