Well guess what, I was talking to her last night and she is already fixating on buying more useless crap because now they’ll be out of debt with the help of the book I gave her. Huh?? AHHHHHHH!!!!!! Well as the saying goes “You can lead a horse to water…

Well, if that’s the motivation she needs to get started, then so be it …
Anyway, if she does it right and does the things it takes it will take months or a couple years to clear away any significant debt. Hopefully, the urge to spend frivolously will be replaced by these habits.