Have you done it? My husband and I started a few days ago. I am in shock! We are a lower middle class family, I've never had credit cards (he did...with his first marriage 10 years ago), I'm a SAHM while he earns our money. With that being said, we looked at our credit reports today and wrote all of our debt down and, counting our home, we are $85,326 in debt! I realize that for some, this is a LOT (good for you) and for others this is not a big deal. I just wonder what the average debt is for families in our class.