I have struggled with debt and I have lived "paycheck to paycheck" for most of my adult life-but not anymore. Today, just a few years after adopting these principles, I own quality cars without car payments. I have kids that will grow up and graduate college without cancerous student loan debt. I am saving large sums of money for a wonderful retirement. I am not worried about tomorrow or next month. I sleep very well at night. I am proof that an average person with passion and a commitment to follow the correct plan will win with their money.