Dave Ramsey

The budget happens today.

Step two also happens today, which is you've got to cut up these credit cards.

You can't, and please remember this, you cannot solve a problem while simultaneously creating it.

Credit cards are your problem.

Buy now, pay later.

Basically, spending money that you don't have is your problem.

So you cannot keep that source around in your life or you'll never be free.

You've got to cut up those credit cards.

That has to happen tonight.

Will you do it?

No.

Okay.

That's thing number two.

Thing number three is are you investing money out of your paycheck?

We do want you to stop adding to it for a short period of time until you clear these debts.

Okay.

There's no reason to put money in investments while you're sitting on $10K in debt.

And the reason why Dave is saying it, but even for the listening audience, your biggest wealth building tool is your income.

The biggest tool that's going to help you get out of debt is your income.

As long as you're putting your income in lots of different places, it's going to take you longer to