I just wanted to thank all of you for your posts, comments, suggestions. It's been really helpful to read through the posts and learn some new thoughts and ideas. We don't have a ton of debt (SL, car, mortgage) but we definitely want it gone sooner than later. We also want more in savings. I have one coworker/friend that I can chat with somewhat about saving but most of our friends either live above their means or just have different goals (not adding debt but not saving either - lots of travel, vacations, material things).