Me ... I don't like secrets, babe. I'm always a straight shooter. I don't buy into those commercials or books that talk about the "secrets of the rich". No secret to it. When you're in debt, work to get out of debt. If you have no dough, then save money. I think you'll find that this story on joes and jills who believe in debt free living lines up with what Dave Ramsey and myself preach about every day.

These people made debt payoff a priority, keep basic living expenses as low as they can, and even take on a second job to speed things up. Does that sound like a secret to you? If it does, than get a clue! If you think that rich people are the only ones who will ever have a big pile of cash, then you don't know jack, jack. The people in this story had just as much money and income as you and I; they just knew how to handle it. Take a lesson from them, my friends.