Hey guys, it's Rachel Cruz, co-host of The Ramsey Show.

We hope you had an amazing Christmas and now that you've got some time to unwind, get organized

and catch up on your favorite podcasts before the new year.

For this week's episodes, we're going to try something a little different.

So we've taken the most popular segments of The Ramsey Show history and created a limited

series just for this week called The Best of The Ramsey Show.

That means you'll hear some of our wildest, most inspirational and possibly weirdest calls.

And this episode will unpack why credit cards are not your friends, do some myth-busting

around building wealth and dive into why an emergency fund will change your life.

These are some of my favorite moments from The Show and we think you're going to love

it too.

So enjoy.

So George, 30 years ago when I started teaching this stuff, I was first teaching people

how to get out of debt, live on a budget, be generous, live on less than you make.

So you have a plan, you avoid debt, you save money for emergencies and later for investing.

And all of those principles work, but people kept saying which one do I do first.

And so I started laying out, well, you should do this first and that first, you should

have an emergency fund before you start your 401k.

And then I figured out it's easier to have an emergency fund if you don't have any payments.

And so you need to get out of debt first.

Because of course I learned my lesson the hard way, going bankrupt and getting out of debt.

And learning how important it was to be debt-free as a part of building wealth.

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