I vividly remember Cindy greeting my wife and me, and telling us there was a way to get out of the large amount of debt we had. That's when it hit me in the face ... we had a large amount of debt! I had been minimizing the debt as it was solely law school student loans and therefore was "good" debt. But Cindy (and Dave!) helped us realize that debt is debt and there is nothing good about it. What transpired over the months of meeting with her was life changing. Cindy helped us craft a lean and reasonable budget that worked for us. She helped us implement our cash based envelope system. She eventually made us take the reins and do it on our own, offering helpful guidance and suggestions along the way. She did all of this in a very friendly and helpful manner. And guess what? When we started to earmark every dollar we made, we found that we had all this extra money to throw at our debt. We found we could live on an even leaner budget than we ever imagined. Most importantly, we began to change our mindset about what we wanted for our future in terms of debt and finances. As I write this, we have paid off $84,000 in school loans in 11 months and are now DEBT FREE! We owe this to God for His blessings in our life, to the teachings and principles of Dave Ramsey, and to Cindy Gleason for helping us implement those principles and teachings. I firmly believe that we would still have no idea where our money was going if it weren't for Cindy and her help.