I don't know how she did it, but my wife was able to take our combined paychecks and save over $10,000 in a 6 month period. This was recommended by Jim & Larry, to save money first. I didn't understand why. I thought it would be better to pay off credit card debt. Now I know why they recommended it. I feel safer now I have cash in the bank. I still have credit card debt, but just knowing that i was able to save money makes me feel better.