Well, we are there -- flat broke. The home equity is maxed out. We are living paycheck to paycheck. I was looking for motivation to do the Total Money Makeover and it has been thrust upon me. husband and I have agreed on a nightly meeting to review what was spent during the day and to plan/revise the plan for the upcoming week. We have been here before, I just hoped never to return but we are slow learners We are not as bad off as others. We are not in current danger of losing our home. For that I am grateful.