Avoiding Debt

Skipping Baby Step 6 Will Make You Rich

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Dave Ramsey was pivotal in my life.  His book “The Total Money Makeover” changed the way I thought about personal finance, and it sparked our debt-free journey.  He has helped MILLIONS of people!  I’m not here to say I’m more intelligent than him, I’m not. I’m here to explain why we’re skipping Baby Step 6.