Dave Ramsey

You probably heard me say that, Zachary.

And then get the stupid house paid off as fast as you can because the shortest distance between where you are and wealth is debt freedom.

And that's consistent across the thing.

But you're exactly right.

But a car is a completely different thing.

A car is the largest thing we buy that goes the wrong direction.

It goes down in value.

And when you finance a car, you're just begging to be middle class the rest of your life, financially, mathematically.

Exactly.

Yeah, like everybody listening right now just about.

Right.

Well, that should be part of your budgeting, Zachary.

Budgeting is cash flow planning.

And so you're planning to not take more money out of your checking account than you have in it.

That's your buffer.

And you can put a $100 buffer in there if you want, but that's fine.

You don't need any more than that.

There's nothing wrong with that.

But you don't need a $2,000 buffer because you're incompetent at budgeting.

You need to have the budget dialed in.