I want to let you know that in 6 weeks time we have paid off all of our debt, adopted your file system, saved $13,766 (in 6 weeks!) and are well on our way to realizing the security we value. This is even more comforting considering that we found out last night that my wife Tina is pregnant with out first child. Can you say 529? Identifying our values and mapping them to our goals has really had an impact. The Latte factor was a huge lesson to us as well!