Welcome! I'm Sue, am your age, and have been married to a different Tom for 32 years.

I can also tell you you've come among a friendly and helpful group of people who understand the challenges of getting out of debt and are ready to cheer you on. Tom and I have been through all the Baby Steps and can attest that it's so worth it!

Jump right in: read, post, and ask questions. So glad you're here!