[JoyJoy]

I have been on the outs with my older sister since January, 2006. We were talking about debt and retirement. Her husband was the only one working and he retired. (She worked for only three months in her life and had the audacity to go to Social Security on her 62nd birthday and ask for her retirement benefits!) I told her I should be out of credit card debt by November, 2006, owing $4,800.00. She stated she was $20,000.00 in debt and that her husband was extremely upset with her. I told her I would be too. Here the man has retired and you're running up debt in your golden years instead of eliminating it. She is the matriarch of the family so the other sister falls in line with her and so does the rest of the family. It took me awhile to stop missing their phone calls, but it has been so pleasant not to have anyone shooting me down for having a good financial rapport with my husband and a good financial plan for our lives. It's not like I feel we're better than anyone else. We're just tired of debt!!!! We want to save! Like Joyce Meyer (minister) said, "Don't criticize other people for their accomplishments if you don't want to do what they had to do to get there!"