DAVE SAYS: This is how you get out of debt without torturing yourself

Dear Dave: My wife is so charged up after reading your books, and now she is determined to get us out of debt. I know this is good idea, but I just don’t have the passion for it she does. There are also some things I really don’t want to give up. Do you have some suggestions for getting motivated? — KenDear Ken: Goals and dreams always have a better chance of coming true if you have a written game plan. […]