My husband and I had worked the baby steps in previous years and had actually gotten out of debt and moved on to step 3. Then we stopped. I think we got out of debt too easy by selling things and cashing out an investment and it didn’t “hurt” too bad. It was fast and easy and relatively painless, which was not at all a good thing. We didn’t change our attitudes about debt, apparently, because it wasn’t long before we got back into it again.