It is always fun for me to see how much things change class to class. Since you were my Sunday night class (DB posting) i was always worried when i looked Saturday and did not see much posting but you came through each week.
More than other classes this class made the commitment to start saving and paying down debt. This bodes well for all of you in the long term. And. once you succeeded you were willing to stretch your goals and do more!!!

You can write down my personal email bobk244@aol.com
Just be sure to use personal finance question in the title and remind me what semester you took the class.
Have a summer and good luck in the future.
Prof K