I often think how we handle money is a reflection of our self-image
That's a really interesting concept. My parents didn't handle money well at all so I grew up with the same bad habits. @corinnestokes had a different experience and she's taught me a lot. Together we went to a Dave Ramsey event years ago and then I ended up working there for almost 4 years. I learned a ton. His baby steps idea is definitely worth doing. We paid off $80k in two years which is crazy. We're in a really good place now and it's only getting better.