 I know you're not a fan of this. No, I'm not a fan of this. Why would you want to do that? So my husband and I are in Baby Step 2, so we can't really help much financially. We coordinated an FPU class, and my mother-in-law joined in that one. And in doing so, we discovered just how bad her financial situation really is. She's got a pay-for-house, pay-for-car, but nothing else except for about $1,500 in the bank, and that's about what she owes on property taxes.