Updated: Jan 1, 2021
I was looking for a budgeting tool and was introduced to Dave Ramsey. I was given the books: The Total Money Makeover and Smart Money Smart Kids.
I couldn't put the books down and discovered a number of things:
The stories I grew up with about debt, credit cards and student loans are all myths
A budget is your plan for financial success
You need an Emergency Fund
Regardless of income level or the amount of debt you find yourself in today, you can become a millionaire by the time you retire
I have since shared The Total Money Makeover with family and friends. I found I had done many things right, but I also discovered some opportunities for improvement. Yvette and I now have a budget and we prioritize the things that are important to us.
If you want to learn more, please check out https://www.daveramsey.com/
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