If you have ever looked on the internet for money tips, you have likely heard of Dave Ramsey. Dave Ramsey is a widely known finance coach who focuses on helping people get out of debt and build wealth. His system of the 7 baby steps is recommended to anyone in debt and although it has been effective for a lot of people, there are some things that he preaches that may not work for you, and that are a little outdated. Listen in as I give my professional opinion on how you can improve these methods to be right for your situation and why frugality isn't something I will ever encourage!

 

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