If you do nothing else for yourself, make a commitment to work toward getting out of debt. If you don't know how to do it on your own, I highly recommend Dave Ramsey's help. We're just getting started with The Total Money Makeover: A Proven Plan for Financial Fitness, and for the first time in years, we have a degree of financial hope. I can't tell you the value of peace of mind, but even better is knowing that it isn't misplaced. We've already made progress, and we only just started. I highly recommend it.