#4: There are 5 things that need to be in place before paying off debt and saving for the future: Get on the same page with your spouse or accountability partner Commit to never borrow money again. No more debt Prepare a written budget or spending plan TEMPORARILY stop saving money Get CURRENT on the necessities and bills/payments For more information, visit the show notes at https://moneyplansos.com/004-mpsos-if-you-are-falling-behind/