How long will it take to be debt free? What is the best reason to give? Is it necessary to read all loan documents? Do budgets require lots of time? What are the steps to failure? What are the steps to be debt free? How do I make good decisions? How can I pay my mortgage off faster? What causes Christians who get rich to turn from God? Where is my best source of help to become debt free? This is part two on how to experience the joy of debt free living.