Modified Baby Steps

Some of you may have heard of Dave Ramsey or even follow his financial advice.  Gary introduced me to Dave Ramsey back in 2002 when we were dating.  We started following his plan and we even invited him to our wedding in June 2003.  Unfortunately he couldn't make it, but he sent us a wedding gift with a personal letter.  We keep a copy of the baby steps and every time we complete a step we mark it off the list.  Here is our somewhat modified list:

Step 1 1/2 was an Explorer that was the worst vehicle ever.  Even though we paid cash when we bought it, it cost us an arm and a leg monthly to maintain.  Finally it died in Florida and we left it there.  Step 4 is an ongoing step, so we felt we couldn't ever truely mark it off.  Step 5 we marked off when we paid for our college, but it will one day be unmarked when we have children.  Step 6 is where we are now.  Instead of "Pay Off Your Home Early" for us it's "Rebuild Your Home Completely".  Here we go....This shall be fun...