: Michael worked extra hours while Michelle built her own business on nights and weekends. During the final year, they even moved back in with parents to slash rent costs. The Result
By February 2019, they were completely debt-free. At the peak of their journey, they were applying nearly toward their debt—an amount Michelle noted "normal" people would spend on a monthly vacation. debt free management
The Whitleys followed the Dave Ramsey Baby Steps program, specifically utilizing the : : Michael worked extra hours while Michelle built
In 2016, the newly married couple realized they were drowning in a "gut-wrenching" $113,000 of debt, consisting of $75,000 in student loans, $16,000 in car loans, and $22,000 in credit cards. Despite working hard, they felt they had nothing to show for it and described their situation as a hole that seemed "impossible to fix". The Strategy: The Debt Snowball At the peak of their journey, they were