We decided to kick Murphy out of our lives starting last year. Many of you know Murphy, right? Murphy’s Law: “If anything can go wrong, it will.” We, like so many other people, were using credit cards to fund our emergencies and living paycheck to paycheck. I was tired of feeling like we could never get ahead. So in my infinite Googling on how I was going to make it through another financially stressful month I stumbled upon Dave Ramsey. From there, it was on!