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The Ragin' Mrs. and I follow most of these rules. Our problem was that before we started following these rules, we got ourselves into quite a bit of debt, and we're working our asses off to get rid of that debt. It's a long, slow grind, but we're working our way out of that debt.
The pay cut we took when I went active duty didn't help either. Still, there are things we can look at and say "Yes, we're doing what we need to do." The ten acres of land that's free and paid off was a huge step for us.