Nearly 7 years ago our finances were totally out of whack! I had gotten out of the Air Force and had taken a big pay cut while making the transition. I also had a huge quota increase (98%) in my second full year of the new job. All of this equated to a $60,000 pay cut that year. Overnight our finances were upside down! Since then, we've slowly but surely worked our way back to where we are a month away from being out of debt. Today we have multiple streams of income with several thriving businesses on top of a full-time paycheck. While much of the beginnings of this "upside down time" in our life were caused by outside factors, it was our thought process that kept us in this situation much longer than necessary. Dave Ramsey's 7 Baby Steps gave us a step-by-step plan to follow in order to get us on track. His books Financial Peace Revisited and The Total Money Makeover: A Proven Plan for Financial Fitness helped us completely change our thought process and set us up to win for the long term!