Freedom comes in a lot of flavors. One of our joys is helping individuals get out of debt. We've been out of debt and in debt, and we prefer debt-free. There is comfort and satisfaction in only owing on a mortgage. Sadly, the average American household carries was $14,687 in credit card debt. We know of individuals with far more debt than that. And what are the top five reasons for divorce? "M", "O", "N", "E", "Y".  Tonight I met a 42 year old professional who just wanted to get back to middle class. We don't expect life to deliver hard knocks, but it does. Freedom from debt is a huge boon to individuals, and we like helping make a difference.

As we grow up we often have big dreams and when we marry our dreams change and expand. We look forward to a nicer house and better schools. We want to help our kids get a good college education. But in these challenging economic times a lot of people are scaling back. If your family hasn't been directly hit by reduced income, you may be concerned that it could happen.  Some people have been forced to delay retirement or put off other goals. We decide that what we thought were needs are now wants. We needed a new car but now now we decide we can get buy with a used car. We needed a new refrigerator to accommodate our growing family but now we decide we can get by with a second used one found on Craigslist. When do we stop shrinking our needs? When do we stop scaling back?  Today. Seize the day. Make it your own. Declare victory. Now is the time to step out and make a difference. Many great businesses were founded during hard times when others fainted at opportunity. Make this yours and stop shrinking your life.