With the help of Money magazine's Stephen Gandel, Steve and Kathi make a big dent in their debt.
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.