Both myself, and my new wife, were flat broke, with awful credit, with a history of a lifetime of financial blunders. We implemented the Debt Snowball and began making major progress in paying off debt. In 2016 we had zero in savings, could barely pay our many bills, and could barely skimp enough money together to buy an old, very worn-out farmhouse. Today, thanks to FPU, we have paid off nearly $100,000 in debt, have several months of expenses in a fully-funded emergency fund, and recently bought a beautiful home that we can comfortably afford!