Just 7 years ago, my family and I had a HUGE amount of debt! Although we had modest salaries, we made decisions that led to us to accrue $442,500 worth of debt! As debt guru, Dave Ramsey, says, we were "up to our eyeballs in debt!" Being in this much debt was very difficult. Although most of it was low-interest and "good" debt, we certainly didn't feel very good about it. After all, we were paying around $40 per day in interest payments. Since my wife and I were making under $40 per hour at our jobs, the first 1-2 hours of each day went to paying interest. Whether the…