Comments on: We’re Debt Free: The Dave Ramsey Interview http://www.justonemoreyear.com/were-debt-free-the-dave-ramsey-interview/ One couple's story of escaping 9 to 5 until 65 Wed, 20 Jul 2016 17:22:09 +0000 hourly 1 https://wordpress.org/?v=4.5.11 By: Bryan http://www.justonemoreyear.com/were-debt-free-the-dave-ramsey-interview/#comment-488 Fri, 29 Jan 2016 01:49:02 +0000 http://www.justonemoreyear.com/?p=1115#comment-488 Brit,

Thanks for stopping by and commenting. I really appreciate that! πŸ™‚

It looks like you are on a path to become debt free by 33. That is a fully two decades ahead of us. I am impressed that you are able to accomplish the goal with three kids and a house. Just keep up that Gazelle focus and intensity. (Thinking about you and Dave Ramsey)

That is one of the nicest comments I have received on my blog. Gosh, I don’t know what to say – Thanks!

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By: Brit http://www.justonemoreyear.com/were-debt-free-the-dave-ramsey-interview/#comment-487 Thu, 28 Jan 2016 18:39:36 +0000 http://www.justonemoreyear.com/?p=1115#comment-487 I love this article! I could read it and reread a thousand more times because it seems so much like where I currently am! Thanks πŸ™‚

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By: Bryan http://www.justonemoreyear.com/were-debt-free-the-dave-ramsey-interview/#comment-465 Mon, 11 Jan 2016 22:33:54 +0000 http://www.justonemoreyear.com/?p=1115#comment-465 You and Tim will reach your goals and debt freedom. You have been successful with your other endeavors, what is to stop you now?

I like your thought regarding rental properties. It is a get rich slowly scheme that if you stick with it can actually pay off. Rental properties and good paying jobs enabled us to become debt free.

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By: Bryan http://www.justonemoreyear.com/were-debt-free-the-dave-ramsey-interview/#comment-464 Mon, 11 Jan 2016 22:30:00 +0000 http://www.justonemoreyear.com/?p=1115#comment-464 Thanks Steve! You and Courtney are just around the corner from being in the same position as us. Selling you home and the rental will put you there quickly!

We look forward to when you get the Airstream and we can hook up with you on the road somewhere. It is amazing how closely aligned your goals are with us my friend. It is going to be fun.

I do hope it is all down hill (other than my age and body). My attitude has certainly improved this last week! πŸ™‚

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By: Bryan http://www.justonemoreyear.com/were-debt-free-the-dave-ramsey-interview/#comment-463 Mon, 11 Jan 2016 22:25:58 +0000 http://www.justonemoreyear.com/?p=1115#comment-463 It does sound like you have some great things going for you Gary!

I feel your pain with the cost of taxes and HOA in the Bay Area. Ours was outrageous too in Alameda. Moving to Sedona nearly doubled our living space, cut the HOA to zero, and the property taxes went down 75%. Score! I hope Leesburg is reasonably priced for you.

Saving 70% is something most people can only dream about with their finances. Congratulations and I should be in that club myself now.

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By: Bryan http://www.justonemoreyear.com/were-debt-free-the-dave-ramsey-interview/#comment-462 Mon, 11 Jan 2016 22:20:41 +0000 http://www.justonemoreyear.com/?p=1115#comment-462 I think it will be weird for me too not having debt. I am only into the first week and it has not sunk in yet.

That is great that you have been FIRE since 2012 and are continuing to put money into the market. I believe we will do the same once our bucket and replacement funds are at a decent level. Heck, with the market the last few weeks, I have saved money by not investing! πŸ™‚

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By: Bryan http://www.justonemoreyear.com/were-debt-free-the-dave-ramsey-interview/#comment-461 Mon, 11 Jan 2016 22:15:50 +0000 http://www.justonemoreyear.com/?p=1115#comment-461 Thanks Jason – it is great to hear from you again!

It has felt like a long way to go for us as well. I didn’t think I would ever finish the debt snowball. I seemed to never end. Downsizing and selling our home put us in the position to become debt free and accumulate a good slush fund.

The next couple months will be interesting for me with this aspect of my life complete. What will I have to worry about?

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By: Abigail @ipickuppennies http://www.justonemoreyear.com/were-debt-free-the-dave-ramsey-interview/#comment-460 Mon, 11 Jan 2016 19:50:54 +0000 http://www.justonemoreyear.com/?p=1115#comment-460 Debt free is my dream!

First, get Tim’s teeth dealt with. Then build up our retirement contributions. THEN really start chunking money down on the mortgage. It’ll still probably be at least a decade before we can get rid of the mortgage — and that’s being very optimistic — but it’s a finish line I have in sight.

Then we can save up for a down payment and get in debt all over again for a rental property. Which is far more positive than it sounds.

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By: Steve @ Think Save Retire http://www.justonemoreyear.com/were-debt-free-the-dave-ramsey-interview/#comment-459 Mon, 11 Jan 2016 15:39:21 +0000 http://www.justonemoreyear.com/?p=1115#comment-459 Woohoo! Congratulations and well done, my friend! That is one huge and very real accomplishment.

We aren’t debt free yet, but once we sell both of our homes and move into our Airstream, we will be – we only have mortgage debt left, around $270k left. We are looking forward to feeling the same relief and sense of satisfaction that you are, for sure.

Again, a big congrats. It’s all down hill from here, right? πŸ˜‰

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By: Gary http://www.justonemoreyear.com/were-debt-free-the-dave-ramsey-interview/#comment-458 Sun, 10 Jan 2016 23:25:47 +0000 http://www.justonemoreyear.com/?p=1115#comment-458 I had ~$120K left on the mortgage when I paid it off. Not having any debt allows me to save ~70% of my take-home pay. I make $3K/month on the interest on a business loan I’ve made. My largest expenses (by far) are my SF property tax (~$14K) and my HOA (~6K) so my total yearly spend is ~$36K. Not bad for living in SF, but I’m moving this week to just outside of Leesburg, VA, and my costs should be reduced with the same income.

So I’ve got that going for me… which is good.

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