Before we decided to get off debt, we stayed frustrated with each other.

Doing a budget eliminates so many money fights and money problems within a marriage.

There is an unbelievable amount of peace to having everything in control and urine control of it.

My dad, Dave Ramsey.

People are starting to realize the credit card is the cigarette of the financial world.

You are the problem and you're the solution.

And that's both wonderful news and it's scary news.

Hey everyone, welcome to the Rachel Crew Show Podcast.

I am so glad that you're here and I'm really excited because this year we are going to start with a series on each of the Ramsey Baby Steps.

So if you missed last episode, we talked about Baby Step 1, which is saving a thousand dollar emergency fund.

And in this episode, we're going to talk about Baby Step 2, which is getting out of debt using the debt snowball.

We're going to bring on my dad, Dave Ramsey, who came up with the baby steps and has been walking people through them for the last 25 years.

And we're also going to talk to a couple who is currently working their debt snowball and they are in the middle of their debt free journey.

And it's so great because they are starting to feel freedom, get control of their lives and best of all you guys, they have hope again.

So here's today's episode.

Now a lot of people think that debt is not bad.

Like it's just a normal way of thinking. That's what society tells us.

And in fact, 80% of Americans are living with some form of consumer debt right now.

Listen, you cannot create a life you love while you're in debt.

When you are in debt, it forces you to live life looking through the rear view mirror because you are chained to stuff in the past.

So how do you get rid of debt? Well, it all starts with the debt snowball.

Okay, this is the best way, the most effective way to get out of debt.

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