run rails g devise:install
add localhost:3000 as default url for mailer
run rails g devise install
run rake db:migrate
add annotate, rspec-rails, and capybara to gemfile
run rails g rspec:install
create user_spec.rb, add first tests for email and password
add validations for devise properties
add name to users
remove test directory, add name and tests to user
create debt model and specs