David I just finished Debt Free For Life last night. WOW today is a new day, My D.O.L.P. folders are done. I now know S.S. owes me a one time death benefit for my mother. Every Sunday after church we go out to dinner which can cost anywhere from $30.00-$50.00 EVERY SUNDAY – what a waste. Today we had a healthy dinner at home and saw a free movie (saving another $25.00). So now I will send that $65.00 to pay down a credit card. I will keep you posted in 6 months on my progress. You have been a blessing to my family.