During one phone call, the couple negotiates their credit card's interest rate from 29 percent to only 5.9 percent! Learn how you may be able to negotiate a lower rate on your credit card.
Kathi and Steve also decide to stop paying their 22-year-old's bills. That will free up $700 a month—money Steve didn't even know they were spending!
Thanks to their newfound funds, Kathi and Steve should have about $450,000 at retirement.