Dave Ramsey

The facts are...

that you two make close to $100,000 a year in Flint, Michigan.

The facts are you only have $108,000 owed on your mortgage.

Very reasonable.

The facts are you've been struggling at your business, and it's not doing great, but you do have a good, solid income.

You're not going to be homeless.

That is an irrational fear.

And we don't act on and we don't make plans based on irrational fears.

That's not wisdom.

So no, you need to list your debts smallest to largest, pay minimum payments on everything but the little one, kick your business in the butt and get it running.

And if you don't have employees that show up and don't work, get you some more.

And get this thing going.

And let's get the truck fixed and snow plowing.

Let's get the lawnmower fixed without going into debt to do it.

And let's keep this stuff going.

Let's start making some money.

Start stacking some cash and knocking this stuff out.

Left and right, left and right, left and right.

And being proactive and playing offense and playing for the Super Bowl instead of going, no, I think we're all going to die.

We're not going to die.