My wife and I just got married a year ago. We started our marriage with about $75K in debt (two cars, two credit cards and student loan). We thought we were okay because we were making more than the minimum payments and still were able to save up quite a bit. My wife is a registered nurse and I am an auditor. Three months into our marriage, the Director of Accounting in my new company heard that I am a youth pastor and just got recently married. The next day, she came into the office and blessed me with "The Total Money Makeover" Book, and said that it is her wedding gift to us. I was appreciative of the kind gesture and a little offended as I thought that she thinks that I didn't know how to manage our finances. That book was probably one of the best wedding gifts we've ever received. We read that book and started implementing the life lessons from it and were able to pay off our first credit card debt. A few months later, our church started Financial Peace University. We were blessed to learn and apply the life lessons of God's way of handling our finances with a community of people who wants the best for their lives and their families. It was such a tremendous blessing. By God's grace, we were able to pay off one of our cars and student loan. By the end of July, we are scheduled to pay off the last of the credit cards and by February, the car. We will debt free after that. My wife and I stopped borrowing and only pay cash now. We went to Los Angeles for our one year and pulled out the cash we budgeted for our one year anniversary. Surprisingly, we spent less and the best part, when we came home, there weren't any vacation bills we had to worry about. God has changed our view on how to manage His finances that He has entrusted to us. We are blessed that we came across this wisdom at the beginning part of our marriage. With all humility and by the grace of God, my wife and I haven't worried about our finances because we chose to do it God's way. By God's grace, we choose to live like no one else so that later, we can live like no one else, and most importantly, give like no one else. We're still waiting for the day when we can drop a $100 tip at local coffee shop. God is good and thank you for these life-changing lessons.