Welcome to Carlos and Sue. We share the secrets of our journey of finding our path to Financial Freedom in Retirement, utilising an adapted version of Dave Ramsey’s Baby Steps program. Join us on this exciting, yet daunting journey! We are super excited to show you how YOU too can spend YOUR money wisely and frugally, utilising Dave Ramsey’s Baby Steps, but yet to live comfortably, while you discover YOUR path to financial freedom, by giving up only a few of all the little “extras” you have given yourself over the years. We will reveal to you our tried and tested frugal tips, tricks, and hacks so you too can be on the path to achievable Financial Freedom. Living debt-free and enjoying life is a journey of ups and downs, but when you focus on positive spending daily, weekly and monthly, the accomplishments are earthshattering and astounding! We have managed to overcome our debt burden and have achieved OUR financial Freedom and are now living comfortably in our retirement.