At least you’re conscious about the time that commuting is taking up in your day. And it’s good that you’re using it productively by listening to Dave Ramsey. If you always have educational audio CDs or podcasts to listen to in your car, you could learn quite a lot and pick up new info in a year.

Also, I really like the premise of this post. the Life Energy concept is an excellent way to put how you spend your day into perspective. I wish I could cut down on my commuting time. 45 min to work and at LEAST 45 min home, usually about an hour, hour 15. Tha’ts a LOT of time wasted!! Fortunately for me, Dave Ramsey is on from 2-5 weekdays for the ride home:)

And if people asked those three questions consistently, I think over time they’d end up in a good situation similar to you and your wife today.

Must feel good being debt free and content. Congratulations to you two!

The three questions in point 3 are also eye openers. Very challenging. I am (mostly) retired, so I can relate to question 3. The funny thing is that my wife and I have no debt, good cash flow, no real needs and we are very content driving older cars and doing without stuff that we might have thought was essential when we were younger. Contentment rules!