A couple of years ago my husband took a promotion in his company which meant a pay decrease for us as he went from sales to management. We knew we'd have enough to take care of our family, but we weren't sure how we'd be able to pay down our debt and continue to save for the future. The first few months were rough and we ended up dipping into our savings while trying to figure out how to make the adjustment to the new income. A friend of mine from out of state came to visit and told me she taught the Dave Ramsey course. She sat down with me and in an hour or two gave me several tips and suggestions as we went over a couple of the spread sheets. The next week our church started advertising the FPU course so we signed up. By learning the seemingly basic but crucial guidelines, tips and advice Dave taught, we were able to not only come up with a manageable monthly budget, but we also paid off both of our cars (which was about $40k worth of debt!) Plus we have an emergency fund and we are now up to 4 months worth of living expenses in our savings account. All of this within a year of taking the course!