I'm going to give this a crack tonight. While we haven't been increasing our debt, we haven't been kicking it's butt either. I make decent money, but also live in an expensive area, with a deeply underwater mortgage.
We're soon faced with replacing an aging family vehicle. We don't currently have a car payment, but also don't have a lot left over funds after retirement and anticipated expenses (christmas, tuition, etc.)
Hopefully this will inspire some change for me.