We’re definitely in snowball stage, and this past weekend we actually had one of our first heated arguments since being on DR, because of disagreements and misunderstandings about where the money goes. Yes, we’re still struggling with that, here at 1 year down the road from taking the DR class. I’m going to forward this note to my DH as a beacon of hope. We, too, will find our way, and someday be able to send out a note like this. Thanks for the great news!