I'm sure we'll take a little of that money to live more comfortably, ... But the majority will go to retirement and the kids' education.

Then I read the book, 'Rich Dad, Poor Dad' and that really got me thinking, ... Until then I hadn't really thought a lot about planning for the future.

[Between loans, savings and tithing to their church, the couple doesn't have a lot of discretionary income left over.] We don't eat out a lot, ... And if we do go on vacation we try to drive instead of fly.

It's really encouraging to get a monthly update on my accounts and see we're that much closer to having a positive net worth.

Both of our cars are paid off but we make a $200 a month payment to a money market account so that if our car breaks down we have the money for a car.