 Hey, Big Rapids, this is Dave Ramsey, and you're listening to the best in talk radio, News Radio 1460 and 107.7 FM, WBRN. I'll tell you a true story. I got a letter from Fran in Virginia once. She and her husband, Gary, were loaded down with debt. They decided to get serious and worked for over two years to pay off $65,000. They were able to buy their dream home. Gary had just started a new job, and things were looking really good.