Millionaires in the making

By: Autumn Grooms & Karla Pelayo

•Ryan and Danielle had met in Wal-Mart in 1998.

•They set aside 31% of their earnings for saving and investing.

•Also they each contribute 20% to their 401k.

•They took a traditional 30 year loan on their house, & in 2003 refinancing lowered their interest rates from 6.875 to 5.375.

•They only go shopping for shoes, clothes, etc when they have coupons or deals at the store.

•Lastly Ryan and Danielle go out each Wednesday to a different restaurants depending on where they have coupons.