<prompt> Human: Going into 2015 I was about 15,000 in debt and climbing and had no real financial plan. I came upon this sub and straightened my finances up thanks to all of the great discussions and posts regarding budgeting, retirement planning, tools, and tips. I only really lurk but wanted to thank the active users of this sub for all the great and useful information. Today I have no debt aside from my mortgage, I am saving 15 in my 401k up from 4 in 2014, I was able to save up a 6 month emergency fund, and this morning I was able to fully fund my Roth IRA for the year 2015. So thank you for helping me plan and getting on the right financial footing.  <response>: Congrats! Keep up the good work! 