I've been on the DR journey since 2009. I originally started the program to encourage my parents and BFF to give it a go. We dove right in and 10 years later are completely debt free including a rental property that my MIL lives in. I'm an Accredited Financial Counselor and spent 5 years volunteering as a counselor for Navy Marine Corps Relief Society. We still run a zero based budget after all these years, but most all bills and investments are automatically taken care of. The budget runs itself at this point.