Six years ago, during more pleasant financial times, I wrote Pay it Down!, the Rx for getting out of debt. It helped hundreds of thousands of readers, as well as the million people who participated in the Debt Diet on The Oprah Winfrey Show (based largely on the information in the book). But as the economy twisted and turned, some of the rules of the road did too, and this year, I decided to update that go-to guide for paying off your debt. The fact is, whether you're trying to negotiate with your creditors, modify your mortgage, bring up your credit score or manage your student loans, you need different strategies than you needed a scant half-decade ago. And in this new version of Pay it Down! I give them to you in straightforward, easy-to-understand terms. Follow my plan, and in three years, you'll be credit-card free. In five years, you'll have a safety net, so you don't have to reach for a credit card when the furnace blows or the dog gets sick. And in ten years, you'll have a healthy nest egg for retirement. Even in these troubled times, you can pay down your debt with only $10 a day. You can find the money. I'll show you how.