Podcasts about debt snowball

It's Round Two of Money March Madness, and the financial face-off is ON! We're throwing down with the biggest money moves, pitting budgeting against heavy hitters like the Roth IRA and the Debt Snowball. Who's gonna slam dunk their way to the top? Will your favorite strategy get the buzzer-beater win? Tune in to witness the ultimate showdown and find out which financial champion will be crowned! Don't miss the madness!Send us a textSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

It's March Madness, but make it money! This week, we're pitting the biggest personal finance debates against each other in a head-to-head bracket showdown. From "Debt Snowball vs. Avalanche" to "Roth vs. Traditional IRA," which financial strategies will reign supreme? Tune in for the ultimate financial face-off and level up your money game!Send us a textSend your questions for upcoming show to checkyourbalances@outlook.com @checkyourbalances on Instagram

Dave Ramsey es una leyenda en el mundo de las finanzas personales, pero… ¿realmente sus consejos funcionan para todos en el 2025? En este episodio de Café on a Budget, analizamos sus estrategias más famosas, hablamos sobre lo que funciona, lo que no y qué ajustes podrías hacer según tu situación financiera. ¡No te lo pierdas!

About the Episode:  Struggling with debt? In this episode of Monday Money Tip, we're sharing the best shortcuts to becoming debt-free faster!

Get the Take Control Of Your Money Bundle and start taking control of your money now: https://ter.li/50329k Tired of just getting by with your money? This year can be the year you take control, find more margin, and start making amazing progress! Learn how at our free event

Credit card debt in the United States has reached a record-breaking $1.166 trillion, leaving millions of Americans struggling to stay financially afloat. In this episode, we explore what's driving this historic surge in debt, including inflation, rising interest rates, and the aftermath of the pandemic. More importantly, we dive into five practical steps you can take to regain control of your finances, pay down debt, and build a secure financial future. Learn how to navigate today's challenging economic landscape, from understanding your credit card balances to implementing proven payoff strategies like the snowball and avalanche methods. Discover how to cut costs, increase income, negotiate interest rates, and create a budget that works for you. Whether you're overwhelmed by rising balances or just looking for actionable advice to take charge of your money, this episode provides the tools and insights you need to break free from the cycle of debt. Key Topics Covered: o The current state of U.S. credit card debt and what's driving the increase. o Common reasons Americans are relying on credit cards more than ever. o Five actionable steps to reduce debt and avoid future financial pitfalls. o Strategies for managing high-interest rates and building an emergency fund. Take control of your finances today and pave the way to a debt-free future. Resources Mentioned: o Debt snowball vs. debt avalanche methods o Tools for budgeting and tracking spending o Tips for negotiating lower interest rates Articles Referenced: o Inflation Numbers: https://www.bls.gov/charts/consumer-price-index/consumer-price-index-by-category-line-chart.htm o Debt Payoff Strategies: https://www.ramseysolutions.com/debt/how-to-pay-off-credit-card-debt o Debt Snowball: https://www.ramseysolutions.com/debt/how-the-debt-snowball-method-works Subscribe for more insights on personal finance and practical strategies to manage debt. **Support the Stream By Shopping at Our Store** Buy Your Financial Mirror Gear: https://www.thefinancialmirror.org/shop YouTube: https://www.youtube.com/@thefinancialmirror Rumble: https://rumble.com/TheFinancialMirror Facebook: https://www.facebook.com/thefinancialmirr0r X: https://twitter.com/financialmirr0r Instagram: https://www.instagram.com/thefinancialmirror/ Podcast: https://thefinancialmirror.podbean.com/ If you are in need of a Financial Coach, don't waste another day of being in debt, not planning for retirement, or simply wondering where your money went each month. Today is the day to take control of your finances and I can help, no issue is too big or too small. Contact me at https://www.thefinancialmirror.org/ #CreditCardDebt #DebtRelief #PersonalFinance #FinancialFreedom #DebtPayoff #MoneyTips #CreditCardInterest #BudgetingTips #DebtFreeJourney #FinancialAdvice #PayOffDebt #DebtSnowball #DebtAvalanche #MoneyManagement #HighInterestRates #EmergencyFund #FinancialGoals #ReduceDebt #CreditCardCrisis #SaveMoney #MoneyMatters #FinanceTips #SmartSpending #MoneySavingTips #BudgetingForBeginners #FinancialLiteracy #MoneyMindset #TackleDebt #FinancialPlanning #StopDebt

Are you tired of feeling like a slave to your debt, weighed down by shame and stress every time a bill arrives?   In this episode, we dive into the biblical view of debt, its impact on your mental health, and practical steps to break free from the cycle for good.  

Learn how to leverage other people's money for your investments - enjoyAny questions?*** Start taking action right NOW! BOOK IS OUT! Grab Your Copy and learn how to get your feet wet in real estate investing Download episodes to your favorite platforms at idealinvestorshow.com Connect with us through social! We'd love to build a community of like-minded people like YOU!

In this episode, Hazel explores effective strategies for managing and eliminating debt, focusing on two popular methods: the Debt Snowball and Debt Avalanche techniques. The Debt Avalanche method prioritises paying off debts with the highest interest rates first, ultimately saving money on interest payments and reducing the time needed to become debt-free. KEY TAKEAWAYS Debt Repayment Strategies: There are two primary methods for managing debt: the Debt Avalanche method, which focuses on paying off the highest interest debt first, and the Debt Snowball method, which targets the smallest debt first. Each method has its own advantages and disadvantages. Importance of Minimum Payments: Regardless of the chosen method, it's crucial to make minimum payments on all debts except for the one being targeted. Setting up automatic payments can help ensure that these minimums are met consistently. Pros and Cons of Each Method: The Debt Avalanche method can save money on interest and reduce the time to become debt-free, but it requires discipline and commitment. In contrast, the Debt Snowball method can provide quick wins and motivation by eliminating smaller debts first, though it may result in paying more interest over time. Debt Consolidation Option: Consolidating debts can be a beneficial strategy, especially if one has equity in their home. By refinancing at a lower interest rate, individuals can potentially reduce their overall interest payments and simplify their debt management. BEST MOMENTS"The Debt Avalanche method means you pay off the highest interest debt first, while the Debt Snowball method has you pay off the smallest debt first." "Using the Debt Avalanche method will save you the most in interest payments as you go along." "The snowball method can give you that motivation to settle your debts faster and see accounts closed down much quicker." VALUABLE RESOURCES Click here to download your FREE gift, our Financial Freedom Spreadsheet, to help you get a 'snap shot' of your finances... https://www.the-freedom-club.com/financial-freedom-spreadsheet-landing-page ABOUT THE HOST Having started her career as a professional, classical musician, Hazel de Kloe also had a personal quest to become financially free. She and her husband built a successful, multi-million-pound property business, next to their own careers, but soon realised that true freedom doesn’t JUST come from being financially independent… Having meant so much to her family, it has been her passion ever since, to inspire, educate and empower others on their journeys towards this 'Holy Grail'. During one particular property mentoring session back in 2009, she had a powerful recognition of exactly how to facilitate this. Nicknamed now, The Wealth Whisperer, she has a unique way of getting to the crux of what is needed to help fulfil this quest. CONTACT METHODS WebsiteInstagram

Lyn shares how aficionados of Dave Ramsey can still follow his advice and remain debt free, while responsibly taking advantage of travel rewards.  Want to learn my simple system to use miles and points to always fly for free? Come join my Families Fly Free membership, where you'll learn my expert process, receive personal support and get access to lots of great travel content and regular live webinars and Q&As. Learn more at https://www.familiesflyfree.com/joinJoin the Families Fly Free email list at https://www.familiesflyfree.com/emailGot questions about Families Fly Free? Email info AT familiestravelfree.com or text 844-403-2263

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2989: Kalen Bruce explores two powerful strategies for paying off debt - the debt snowball and the debt avalanche. By comparing their benefits and drawbacks, this article empowers you to choose the method that aligns with your financial goals and motivation style, whether you crave small wins or want to minimize interest payments. Read along with the original article(s) here: https://moneyminiblog.com/debt-relief/pay-off-debt-snowball-vs-avalanche Quotes to ponder: "If you become debt free, you win. It doesn't matter which method you used once you are debt free." "Personal finance is less about the math and more about behavior, habits, and mindset." "Sometimes the right method may not make the most sense on paper, but if it works, you still win!" Episode references: Dave Ramsey's The Total Money Makeover: https://www.amazon.com/Total-Money-Makeover-Dave-Ramsey/dp/1595555277 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2989: Kalen Bruce explores two powerful strategies for paying off debt - the debt snowball and the debt avalanche. By comparing their benefits and drawbacks, this article empowers you to choose the method that aligns with your financial goals and motivation style, whether you crave small wins or want to minimize interest payments. Read along with the original article(s) here: https://moneyminiblog.com/debt-relief/pay-off-debt-snowball-vs-avalanche Quotes to ponder: "If you become debt free, you win. It doesn't matter which method you used once you are debt free." "Personal finance is less about the math and more about behavior, habits, and mindset." "Sometimes the right method may not make the most sense on paper, but if it works, you still win!" Episode references: Dave Ramsey's The Total Money Makeover: https://www.amazon.com/Total-Money-Makeover-Dave-Ramsey/dp/1595555277 Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 2989: Kalen Bruce explores two powerful strategies for paying off debt - the debt snowball and the debt avalanche. By comparing their benefits and drawbacks, this article empowers you to choose the method that aligns with your financial goals and motivation style, whether you crave small wins or want to minimize interest payments. Read along with the original article(s) here: https://moneyminiblog.com/debt-relief/pay-off-debt-snowball-vs-avalanche Quotes to ponder: "If you become debt free, you win. It doesn't matter which method you used once you are debt free." "Personal finance is less about the math and more about behavior, habits, and mindset." "Sometimes the right method may not make the most sense on paper, but if it works, you still win!" Episode references: Dave Ramsey's The Total Money Makeover: https://www.amazon.com/Total-Money-Makeover-Dave-Ramsey/dp/1595555277 Learn more about your ad choices. Visit megaphone.fm/adchoices

I want to introduce a concept I call The Side Hustle Snowball. If you've heard about Dave Ramsey's “Debt Snowball” framework, this may sound familiar. Here's how The Side Hustle Snowball works: You itemize out your expenses and then aim to come up with side hustle income to cover them, starting with the smallest and working your way up. Once you reach the bottom of your list, you don't need your job anymore! The reason I like this framework is setting out to replace your income with a side business can be a daunting task. The Snowball approach breaks it down into mini-victories and lets you celebrate your progress along the way. And just like a real snowball, it picks up steam, size, and momentum as it gets rolling. Let's look at some real-life examples of how you can make extra money. What follows are some of my actual monthly expenses*, and how we mentally zero them out with job-free income. Full Show Notes: The Side Hustle Snowball: How to “Erase” Your Expenses with Extra Income Streams New to the Show? Get your personalized money-making playlist here! Sponsors: Airbnb — Discover how much your home could be worth and find a professional co-host today! Indeed — Start hiring NOW with a $75 sponsored job credit to upgrade your job post! Mint Mobile — Cut your wireless bill to $15 a month! Gusto — Get 3 months free of the leading payroll, benefits, and HR provider for modern small businesses!

As the year winds to a close and we shift our attention to the new year that's about to begin, the next few weeks may be the right time to assess our existing financial situations and consider what new plans we'd like to implement for the following year. For many Americans, one of those plans could be to finally get debt-free.   Links: For a more visual explanation of the debt snowball method watch this short debt snowball explainer video on YouTube Watch our Pay Off Debt: Your Path to Financial Freedom webinar  Check out TCU University for more financial education tips and resources!  Follow us on Facebook, Instagram and Twitter!  Learn more about Triangle Credit Union Transcript: Welcome to Money Tip Tuesday from the Making Money Personal podcast.   Getting out of debt is a noble goal, one worth pushing towards. If you're feeling the burden of debt, one very effective method can help you pay down that debt and reach financial success. But when it comes to this venture, where does one start? How do you know the plan will be a success? That's what this debt snowball method is for.    In this tip, I'll explain the debt snowball, how to use it to eliminate debt, and share a few additional thoughts to keep in mind while following the plan.   One of the biggest challenges many people face when paying down multiple debts is determining which debts take priority. Do you pay off the oldest debt first? The largest debt first? A certain type of debt first? This often paralyzing decision can make it hard to advance toward the goal. Juggling different bills with varying balances can be tricky to organize, so you need a solid and practical plan to focus on and eventually eliminate debt.    That's where this plan comes in. The debt snowball works by organizing your payoff plan to pay down your lowest debt first, then using that freed-up cash to put towards the next largest balance, and so on.    Start by putting all your debts in order by total balance from smallest to largest. Then focus on making larger payments to the smallest debt while making only the minimum payments on the other ones.   For example: If you have three debt balances, one for $3,000, one for $8,000, and one for $10,000, focus on paying more towards the 3K one and pay just the minimums for the 8k and 10k ones. Keep paying your bills this way until that lowest debt is completely paid off.   With one debt gone and out of the way, take all the money you were paying towards it and now put it towards the $8k one, continuing to pay the minimums on that $10k debt.    Keep doing this until the 8K bill is gone.  Then, put all that freed-up cash from both eliminated debts towards that last 10k debt.    The effectiveness of this strategy is that it increasingly builds your cash contributions towards debt every time one balance is paid. So, by the time you're on that last debt, you're shoveling money at that balance, and it will decrease at a more rapid pace.  For anyone prepping to give this a go, here are a few things to keep in mind when you work your own debt snowball:   This plan works best with a budget. Your debt snowball method won't work if you don't budget. The budget provides a framework that distributes your income in a specific manner. To pay off debt, you need to know how much money you have coming in and going out. It'll also help you determine how much to allocate toward each balance as you build your snowball, putting every free dollar toward your debt.  Get organized and stay organized. Even though you have a budget, keeping all your information organized is essential. Set up dedicated folders in your email for electronic bills or statements, so you know exactly where to go to see them. If you get paper bills, store them in a dedicated folder or envelope so they don't get lost. Also, create a spreadsheet or use a debt payoff app to keep all your balances logged and up to date. It'll also allow you to watch each bill as it gets paid down and eventually eliminated.  Keep your focus with visual reminders. Find a way to keep your goal top of mind. Some people write it on an index card and leave it by a mirror or on a fridge so they'll see it every day. Keep one in your car or on your phone as a constant reminder that you're working towards something important.   Celebrate the small wins. The journey isn't any fun when you can't enjoy the process. When you pay off a debt, celebrate the victory. Find a way to treat yourself for your hard work and accomplishments. Just make sure to keep it within budget.    Be patient. A system like this doesn't work immediately. It takes time and diligence to get rolling. Keep a steady pace and understand that with some time, patience and perseverance you'll reach your goal and look back on the long journey that brought you there.    For a deeper explanation of paying down debt and a visual walkthrough of the debt snowball method, check out our Paying Down Debt webinar and our Debt Snowball Method video clip on our YouTube channel.    If there are any other tips or topics you'd like us to cover, let us know at tcupodcast@trianglecu.org, and don't forget to like and follow our Making Money Personal FB page and look for our sponsor, Triangle Credit Union, on Instagram and LinkedIn to share your thoughts.    Thanks for listening to today's Money Tip Tuesday. Check out our other tips and episodes on the Making Money Personal podcast.    Have a great day! 

Send us a textBecoming debt-free isn't just about crunching numbers—it's about building a system that sustains your motivation and sense of accomplishment. Whether you're just starting out or already making strides on your debt journey, the Debt Snowball Method helps you stay focused on the small wins that lead to big results. Resources MentionedGet better results with your finances in 30-60 days - GUARANTEED. Watch this video to learn how! - https://www.debtfreedad.com/payoff-de...  The Totally Awesome Debt Freedom PlannerFor more help, and a step-by-step process to get started, enroll in Brad's FREE online course, LIFE WITHOUT PAYMENTS.Free Tools and Downloads at www.debtfreedad.comConnect With BradWebsite - https://www.debtfreedad.comFacebook -   / thedebtfreedad  Private Facebook Group -   / lifewithoutpayments  Instagram -   / debtfreedad  TikTok -   / debt_free_dad  YouTube -    / @bradnelson-debtfreedad2751  Thanks For ListeningLike what you hear? Please, subscribe on the platform you listen to most: Apple Podcasts, iHeartRadio, Spotify, Tune-In, Stitcher, YouTube Music, YouTubeWe LOVE feedback, and also helps us grow our podcast! Please leave us an honest review in Apple Podcasts, we read every single one.Is there someone that you think would benefit from the Debt Free Dad podcast? Please, share this episode with them on your favorite social netwoSupport the show

You DO NOT need to be a math genius in order to manage your money effectively! Ramsey personality and financial expert, Jade Warshaw, reveals some finance tips found in her book, "Money is Not a Math Problem". Budgeting shouldn't be something people are afraid of—they are a tool to help you obtain financial freedom. Tune in to this episode to hear practical steps on how to get out of debt in two years and how to gain control over your money, today!#money #moneymanagement #finances #budgeting #ramseyLooking for practical next steps after listening to this episode? We've made a list for you below! 

In this podcast episode, Coach JPMD shares seven steps to help physicians pay off their student loan debt quickly. The steps include creating a budget, listing debts from smallest to largest, updating the budget and debt snowball monthly, living like a resident for three years, avoiding buying an expensive home, keeping the current car, and building habits around these steps. These steps aim to decrease stress and increase revenue for physicians.Chapters00:00 Introduction and Background01:51 Seven Steps to Pay Off Student Loan Debt02:20 Step 1: Creating a Budget03:20 Step 2: Listing Debts04:20 Step 3: Updating the Budget and Debt Snowball04:48 Step 4: Living Like a Resident05:44 Step 5: Avoiding Buying an Expensive Home06:41 Step 6: Keeping the Current Car and Buying Pre-Owned07:37 Step 7: Building Habits for a Debt-Free Life09:35 ConclusionInspired by the 7 baby steps taught by Dave Ramsey https://www.ramseysolutions.com/dave-ramsey-7-baby-steps

Snag Our Signature Budget Template! Do you find yourself juggling multiple debts and wondering which one to tackle first?

What do you need to know to get out of debt? 00:00 - Intro 00:42 - Rob Berger's Debt Story Reaction 15:05 - Two Cents Debt Advice  In today's story, Jay reacts to Rob Berger's story of getting out of debt. What can you learn from his story? Ed Jarecki EYB Collaboration: https://youtu.be/0KKDIwyKuMo?si=sP01CwqRFfRisvar Video Link: Rob Berger: How to FINALLY Get Out of Debt | 7 Steps to Debt Freedom: https://youtu.be/1MDQ32T2_Bg?si=7BUKN2JNl8pWf0jZ In the main topic, Jay breaks down HopeFilled Financial FootStep #3 - Get Out of Debt. He shares the nuances of different methods of getting out of debt: the avalanche method and the snowball method. He shows examples of each on his debt payment calculator spreadsheet tool. What else do you need to think about when paying off devt? Let us know in the comments! Video Link: Two Cents: What's The Fastest Way To Pay Off Debt? https://youtu.be/PvEUj_mRfIo?si=A0dhO2VAr5nq-X73 NYT Article: https://archive.nytimes.com/bucks.blogs.nytimes.com/2012/08/20/to-get-out-of-debt-it-may-help-to-think-small/?mcubz=3&_r=0 Dave Ramsey IRS Call: https://www.youtube.com/watch?v=pI4VMV9S28k Please don't forget to like, share, and subscribe! Doing so helps us grow and share HopeFilled financial wisdom. We release a new episode every Tuesday! Subscribe if you don't ever want to miss an episode! You can submit a question on our website (hopefilledfinancial.com) or message us on Facebook (@HopeFilledFinancial). Disclaimer: This podcast serves as educational entertainment only. Any and all opinions relating to real estate, law, taxes, insurance, and/or securities investing that may be contained within this podcast should not be interpreted or implemented as recommendations nor advice. The opinions related to these topics – especially those regulated by state and/or federal entities – should never be taken as replacement for advice from a competent, licensed professional. HopeFilled Financial Coaching is not liable for any individual acting on any understanding of topics directly or indirectly related to real estate, legal practice, taxes, insurance, or investing even if an individual in question changed their understanding after listening to this podcast. All listeners are entirely responsible for seeking advice from licensed professionals before taking any action of their own. Our Website: HopeFilledFinancial.com Music: "Take Me Higher" by Jahzzar Music Copyright License: This music is licensed under the Creative Commons Attribution-ShareAlike 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-sa/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA.

Are you feeling like your financial health journey is taking too long? Do you wonder if you will achieve the next Money Milestone? In this episode, Art shares suggestions on how to navigate the grind. Additionally, Art addresses a question from the MTM Facebook Group regarding the comparison between 403(b)s and Roth IRAs for ministers.Resources:MTM Bracket Challenge 20248 Money MilestonesAsk a Money Question!

Welcome to Episode 3 of Figuring The Figures, where we embark on a transformative journey through Dave Ramsey's Baby Step 2: Getting Out of Debt. Join us as we unravel the secrets to financial liberation and debt-free living.Time Stamps:Trailer/Intro - 0:00Baby Step 2 - 2:36Explaining the budget template - 3:45Paying off 7 credit cards - 8:18Debt free - 23:06Getting rid of a car loan - 23:49Turning a 20K loan into 5K - 24:50How to pay off 5K - 25:25Back at zero - 27:12Closing statements - 29:22Key Highlights:Baby Step 2:Dive into the heart of Baby Step 2 and its pivotal role in your financial journey.Explaining the Budget Template:Gain clarity on utilizing a budget template as a cornerstone for financial planning and debt management.Paying Off 7 Credit Cards:Witness firsthand the triumphs and challenges of paying off multiple credit cards.Achieving Debt Freedom:Celebrate the ultimate victory of becoming debt-free and reclaiming financial autonomy.Eliminating a Car Loan:Uncover strategies for tackling substantial debts like car loans and reclaiming ownership of your financial future.Transforming a 20K Loan:Learn the art of debt reduction as we share strategies to minimize a hefty loan to a manageable fraction.Mastering Debt Repayment:Discover actionable tips and techniques to efficiently pay off significant amounts of debt.Starting Anew:Explore the liberating feeling of reaching ground zero and commencing a fresh chapter in your financial story.Conclusion:As we draw the curtains on this insightful journey, remember that financial freedom is not merely a destination but a lifelong pursuit. Each step taken towards debt liberation is a testament to your resilience and determination. Keep striving, keep believing, and keep moving forward. Thank you for joining us today, and may your path to financial success be filled with prosperity and fulfillment.Subscribe to Figuring The Figures for more invaluable insights and expert guidance on mastering your finances.#BabyStep2 #DebtFreeJourney #FinancialFreedom #BudgetingTips #PersonalFinance #FiguringTheFigures #ZtikManPodcastSUBSCRIBESupport the showZtikMan.com/Podcasts

Welcome back to the Money Mindset Podcast! In today's episode, we're tackling crucial questions, from managing 0% interest debt to making the switch from credit cards to cash. Join us for quick insights into staying motivated with your budget and navigating challenges when you feel "house poor." Ready to dive in? Hit play and let's explore these essential money mindset topics together. Don't forget to leave your messages for our 200th celebration! Hosting Today: Hey, I'm Ashley Patrick, a personal finance expert and founder of Budgets Made Easy. I help busy moms create systems to save money and pay off debt so they can reach their big dreams faster and easier. I was able to pay off $45,000 in just 17 months including $25,000 in student loans in just 10 months. I'm a Master Financial Coach and have a bachelor's degree in psychology and will help you get to the root of your money problems. Since my journey started I have been featured on Fox Business, Yahoo! Finance, Food Network, USA TODAY, MSN, CNBC, NerdWallet, and many others. “Keep in mind that a budget is just a plan for your money. And so the motivation to stick with it is the bigger piece, right? And it takes a lot more time. You're gonna have ups and downs in life, ebbs and flows, different seasons. That's normal. And I think when you release this expectation that you're gonna always be motivated or you're just always gonna get it right and lower your expectations, be a little bit more realistic with your expectations, you're gonna be able to just keep going even when you aren't motivated.” - Ashley Patrick Timestamps: 00:00 - Introduction and 200th episode celebration message 03:03 - Question 1: Prioritizing 0% interest debt 06:33 - Question 2: Transitioning from credit cards to cash 10:04 - Question 3: Finding motivation in your budgeting journey 13:48 - Question 4: Dealing with being "house poor" 17:49 - Question 5: To pay off debt or keep investing? 21:04 - Wrapping up and 200th episode celebration reminder If you need help paying off your debt, go to www.budgetsmadeeasy.com/debt for your Paying Off Debt Starter Kit. This will help you really get going on your journey to longer-term investing strategies. And if you enjoyed the podcast today and got some great takeaways, I'd really appreciate it if you followed the Money Mindset Podcast so you don't miss out on future episodes. Resources and Links Mentioned: * Please send your voice messages here: www.speakpipe.com/budgetsmadeeasy * Paying Off Debt Starter Kit: www.budgetsmadeeasy.com/debt Connect with Ashley: Instagram: www.instagram.com/budgetsmadeeasy

One of the best things about The Money Multiplier Method is that it's customizable to your specific goals. Whether you want to raise capital, buy cars or pay off debt, you can design your plan to do exactly that.   Not only can you own your bank, earn uninterrupted compound interest, and take the money back in a loan, you can also solve your particular financial problem.   What plan options do you have? How do you know which plan design is best for you?    In this episode, you'll learn how to determine the right Infinite Banking plan for you. I'm joined by one of our clients, Chris Kearse as we start the process of designing the right plan for him. Three Things You'll Learn In This Episode    -Earn the 8th wonder of the world Can we get uninterrupted compound interest while still having access to cash?   -Move your money like a raging river How do we design an efficient vehicle to move your money?    -Short-term vs. long-term If we're trying to get access to more cash quickly, how do we set up the plan?

About the Episode:  In this episode, we're going to focus on discussing the debt snowball technique.  Resources: FULLY FUNDED LIFEIWBNIN LadderAnnual Credit Report   Related Monday Money Tip Podcast Episodes: Episode 147: How To Teach Your Kids About DebtEpisode 203: Couples And Money: Discussing DebtEpisode 245: Crush Your DebtEpisode 266: Debt Free & Organized!Episode 273: When ‘No' Means ‘Yes!' Email info@iwbnin.com to ask questions or share success stories.

So you've got a lot of debt. A lot. But you're ready to do something about it. You know that you can never pay off that debt all at once—So what's next? The Debt Snowball and the Debt Avalanche are two of the most misunderstood concepts in personal finance, but they're also two of the most important ones. In this episode, I'lll explain exactly what those terms mean, why they matter, and how to use them to get your finances back on track! Resources Mentioned in this Podcast: Contact Dave for a free 30mins strategy sessio

Hey Mom! Does your family have mountains of debt? Do you feel like you've tried to tackle your debt, but your balances never seem to go any lower? Are they going up, instead of down? If you have any debt at all, this episode is for you! I personally know the stress, worry, and anxiety that debt brings. I also know the peace of mind that comes once it is finally paid off!  I want that for you! Join me today and let's get your family on a faster path to eliminating all debt for good and on to bigger and better things! As mentioned, here is the FREE debt reduction calculator spreadsheet that I personally have used many times in my life. You can download it in either Excel or Google Sheets, so make sure you have it open in front of you before starting the episode as I will go over how to use it. Let's get you on the road to more peace and joy! Join me on Facebook! https://www.facebook.com/groups/frugallivingforfamilies Become a Frugal Living for Families Insider! Sign up at: subscribepage.io/FrugalLivingforFamiliesPodcast for more tips on saving money, getting out of debt, becoming a stay-at-home mom, living on a single income, first access to my offerings and more! Blessings to your family, Mandy P.S. For my latest coaching options, email me at FrugalLivingforFamilies@gmail.com.

Discover how I conquered a mountain of debt and achieved financial independence. In this episode, I share my secret weapon for paying off debt – the Debt Snowball strategy. I reveal exactly how I used it to pay off over $100,000 worth of consumer debt. I also dive into the concepts of good and bad debt and the psychology behind money management. Listen in and join me on the path to wealth creation.Let REI Call Center do all the work for you and help you generate leads, close more deals, and build your real estate portfolio!https://reicallcenter.com/ref/22/To check out all the AWESOME things Backflip Capital has to offer click this link!  https://backflip.mobi/FinanceCowboyPodJoin our FREE Facebook group!https://www.facebook.com/groups/financecowboy/Follow me at:Instagram: https://www.instagram.com/financecowboyYouTube: https://youtube.com/@financecowboyTikTok: https://www.tiktok.com/@thefinancecowboyTwitter: https://twitter.com/financecowboyReady to start investing in real estate? Let me help you! Setup a time to chat with us here: cowboysacademy.com/learnthegame"I love Jaren and the Finance Cowboy Show"

Dave Ramsey & George Kamel answer your questions and discuss: What to do when you and your spouse can't agree on how much to save for building a home, read more: How Much Does It Cost to Build a House? How to get prepared for retirement when you have nothing saved at 50 years old, Do you have enough for retirement? Learn more today: Retirement Calculator How to financially prepare for a divorce, read more: How to Survive Divorce: Protect Yourself and Your Finances What to do when you and your spouse can't agree on how to budget, read more: Money and Marriage: 7 Tips for a Healthy Relationship What to do when when receiving certified letters in the mail for debt that's in the collections, read more: How to Pay Off Collections "Can I afford to buy more hair transplants?", How to know if you can afford to quit your side hustle to pursue your dream job, How to buy a house with zero credit score, read more: Can You Buy A House With No Credit? "Should I use my savings to pay my fiancees debt after we get married?", read more: 4 Steps to Make The Best of Marriage and Debt What to do when getting divorced and you don't have any financial agreement set up, How you should prioritize your student loan payments in your Debt Snowball, from the website: RamseySolutions.com/StudentLoans What to do when you're underwater on a vehicle and don't know if you should pay it off, How to get your finances on track as newlyweds when facing major home repairs and feel overwhelmed. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: Zander Insurance Churchill Mortgage BetterHelp DreamCloud Neighborly EveryDollar - Budget for free today! Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dave Ramsey & Jade Warshaw answer your questions and discuss: When you should look for a new financial planner,  from the website: Find a SmartVestor Pro today Why "rice & beans" is a metaphor and why you shouldn't be stingy with your generosity, read more: Dave Rant! You're Not on the Dave Ramsey Plan If... What to look for if you're trying to figure out if you should sell your house and get a cheaper mortgage, A powerful Debt Free Scream from a single mother that never quit even when things seemed impossible, Where to put student loans in your Debt Snowball while still in school, from the website: RamseySolutions.com/StudentLoans How to plan for long term medical expenses when facing dementia, "Can I get my nails done while in Baby Step 2?", What to do with additional income when your retirement is maxed out, When to determine if you should sell real estate to pay off student loans, Newlyweds that do a Debt Free Scream that sacrificed their wedding day to avoid debt, Have you worked the Baby Steps and become debt free? Fill out your Debt Free Scream Application today! How to know if you should sell an investment property when expecting a baby, What to do when you receive a settlement from a car accident and have IRS debt. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsors: NetSuite Zander Insurance Christian Healthcare Ministries BetterHelp USCCA Neighborly Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Opening Bible verse: Colossians 3:23-24   There isn't a right or wrong answer.  If you are ready to get serious about tackling your debt, just pick a method and go for it!  In this episode I discuss the differences between the two most popular methods of paying off debt.  I do have a method I prefer, so I'll share my reasons for that too. If you'd like to work with me 1:1 on your own personal budget, please email me at: tightshipmama@gmail.com I can work with you via zoom one hour at a time.  We go over your numbers, set a plan, figure out your debt free date and I hold you accountable.  Imagine where you will be one year from now if you just get started!      

For many people, tackling your finances, making plans to pay off debt and save for retirement can feel downright punitive, like we should be punished for the choices we've made with our money. My guest today, Jeff Kikel, is the founder of the Freedom Day lifestyle, created to help people pay off debt and create financial freedom to do the things on their bucket lists. Join us as we discuss the power of leveraging your time and money, living a life with intention, and our journeys from corporate to entrepreneurship. Guest Resourceshttps://www.jeffkikel.comhttps://freedomnationpodcast.com/ https://www.instagram.com/jeffkikelhttps://www.linkedin.com/in/jeffkikelhttps://twitter.com/JeffKikelBE IN CHARGE >> TAKE ACTION >> GET RESULTSConquer Your BusinessJoin us on FacebookLinkedInInstagram

Rachel Cruze & John Delony answer your questions and discuss:   What to do when you're saving for Baby Step 3 but have a car that's about to die, read more: Is Your Car Worth Repairing? Or Should You Replace It? How to know if you should live with family when finding a new place to live, What it means to have an anxious life and how to get away from the stress, John's New Book: Building A Non-Anxious Life by Dr. John Delony How to tackle debt when getting out of the military and moving, What to do when co-parenting and one set of parents is trying to encourage taking on debt, read more: How to Teach Teenagers About Money How to prioritize paying off your student loans in your Debt Snowball, read more: RamseySolutions.com/StudentLoans Why money problems in your marriage are often a result of deeper issues, read more: Money and Marriage: 7 Tips for a Healthy Relationship How to help parents change their mindset about money, read more: Understanding the Psychology of Money Why you shouldn't have parents co-sign on a mortgage, The best ways to use a large inheritance, read more: What to Do With an Inheritance How student loans are taking a toll on students mental health, take Dr. John Delony's Axienty Test How to be ok with accepting financial generosity from family members without feeling guilty. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Support Our Sponsor: NetSuite BetterHelp DreamCloud Zander Insurance Neighborly EveryDollar, budget for the life you want today for free: Click Here Want a plan for your money? Find out where to start: Click Here Listen to all The Ramsey Network podcasts: Click Here Interested in advertising on The Ramsey Show? Click Here Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

When you're starting out on your debt free journey it can be overwhelming deciding which debt payoff method to choose. In today's episode, I chat with you about the two most popular debt payoff methods, the Debt Snowball Method and the Debt Avalanche Method. We talk about which one is right for you, debt consolidation pros and cons, and why 0% APR credit cards may be a strategy to consider (with caution)! Debt Free Living Segment:  Maeghan Jones, Atlanta-based real estate professional, joins the Marriage Kids and Money podcast to discuss how her family paid off $90k of debt, doubled their income, and changed their entire lives with financial literacy. RESOURCES: Sponsors + Partners + Deals OTHER EPISODES YOU MIGHT LIKE: Allison Baggerly: Become Debt Free While Still Enjoying Life How We Became Debt Free After Paying Off $50,000 in 1 Year How to Stick to a Budget – with Kumiko Love from The Budget Mom MKM RESOURCES: Make My Kid a Millionaire Course: Want to make your kid a millionaire? Learn more about my course! MKM Coaching: Want 1-on-1 support with your family finance journey? Book a time with me today. YouTube: Subscribe for free to watch videos of these episodes and interviews. Instagram: Follow our IG channel. Voicemail: Leave your question or comments here. Merch Store: Check out our t-shirts, hoodies, and coffee mugs! SHOW INFORMATION:  Marriage Kids and Money is dedicated to helping young families build wealth and happiness. This award-winning platform helps couples and parents achieve financial independence and discover the true meaning of wealth.  To achieve these big goals, we answer questions and interview experts who uncover smart net worth building habits and tools that can help everyone find their own version of financial independence. Learn more at https://www.marriagekidsandmoney.com  HOST BIO:  Andy Hill is the award-winning family finance coach behind Marriage Kids and Money - a platform dedicated to helping young families build wealth and happiness.  Andy's advice and personal finance experience have been featured in major media outlets like CNBC, Forbes, MarketWatch, Kiplinger's Personal Finance and NBC News. With millions of downloads and views, Andy's message of family financial empowerment has resonated with listeners, readers and viewers across the world.    When he's not "talking money", Andy enjoys being a soccer Dad, singing karaoke with his wife and watching Marvel movies. DISCLAIMER: This show may contain affiliate links or links from our advertisers where we earn a commission, direct payment or products. Opinions are the creators alone. Information shared on this podcast is for entertainment purposes only and should not be considered as professional advice. Marriage Kids and Money (www.marriagekidsandmoney.com) is a participant in the Amazon Services LLC Associates Program, an affiliate advertising program designed to provide a means for sites to earn advertising fees by advertising and linking to amazon.com. CREDITS: Podcast Artwork: Liz Theresa Editor: Podcast Doctors Podcast Support: Weir Digital Marketing Learn more about your ad choices. Visit megaphone.fm/adchoices

About the Episode:  In this episode, we're going to focus on talking through the steps of debt elimination and estate planning.    Resources: FULLY FUNDED LIFEIWBNIN LadderDebt Tools Legalzoom.com Uslegalforms.com   Related Monday Money Tip Podcast Episodes: Episode 245: Crush Your Debt Episode 224: Investing In A Legacy With Brandon CatoeEpisode 203: Couples & Money: Discussing Debt Episode 189: This Or That? Save or Pay Off Debt? Email info@iwbnin.com to ask questions or share success stories.

Ken Coleman & George Kamel answer your questions and discuss:  "Should I Invest in making passive income?" Pausing paying off debt to cash flow a wedding, "Do you still recommend stocks over gold?" "How much car can we afford?"  "How do I find a good work-life balance?" "How do I increase my income?" Support Our Sponsor: PODS Moving & Storage BetterHelp Balance of Nature Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

Join host Paul Jamison in this episode of the Green Industry Podcast as he explores Dave Ramsey's proven plan and the Debt Snowball method to help you achieve financial freedom by paying off debt and embracing a debt-free future. Register for EQUIP EXPO and Save 50% - Register Here Register for HUGE Convention and Save $25 off: Register Here Try the CRM Software I use - Get Jobber Start Your Website Journey w/ Footbridge Media Grab your copy of Paul's brand new book: Get Your Copy Register for Lawn Care Life Conference: Register Here Check out all of Paul's resources: GreenIndustryPodcast.com Shop for all of Paul Jamison's books: Get Paul's Books Here Learn more about Audiobooks on Audible: Explore Now Shop Kujo Yardwear: Shop Now Support our sponsors:  The Landscaping Bookkeeper - Megan and Joey Coberly GPS Trackit

George Kamel & John Delony answer your questions and discuss:  "I have $90k of debt and I can't keep doing what I've been doing", from the blog: 28 Ways to Get Out of Debt The hidden ways that owing money affects your mental health, from the blog: How to Stop Worrying About Money Setting up your Debt Snowball for success, from the blog: How the Debt Snowball Method Works "How much are we morally obligated to help my parents financially?" from the blog: How To Talk To Your Parents About Money How to talk with your spouse about getting a job to help meet financial goals, from the blog: How to Talk to Your Spouse About Money Support Our Sponsor: PODS Moving & Storage NetSuite Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Here's an EveryDollar deal just for our listeners: get a 14-day free trial PLUS $15 off your first year of premium. Click the link below and start budgeting today! www.everydollar.com/george Want a plan for your money? Find out where to start: https://bit.ly/3cEP4n6 Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Interested in advertising on The Ramsey Show? https://ter.li/s64ye3 Ramsey Solutions Privacy Policy

On this week's Budget Breakdown, Christine and Dave analyze the spending habits of a family drowning in almost $200,000 worth of debt. They offer tough love and practical advice on how this family can cut their excessive expenses and allocate their freed-up funds to help them work toward their ultimate goal of being completely debt free.  DM your questions and ideas for future podcast episodes to Christine on Instagram @frugalfitmom6. Follow Christine! Youtube: https://www.youtube.com/c/frugalfitmom Instagram: https://www.instagram.com/frugalfitmom6 Facebook: https://www.facebook.com/christinethefrugalfitmom Website: https://www.frugalfitmom.com Dave Ramsey's Debt Snowball: https://www.ramseysolutions.com/debt/get-out-of-debt-with-the-debt-snowball-plan?gclid=CjwKCAjw4c-ZBhAEEiwAZ105RchA5AybiyC7GgYHStGVTioePSsfgQIF7Q6pmV6UK8vCZmlPHJIi3BoCzYcQAvD_BwE --- Support this podcast: https://podcasters.spotify.com/pod/show/frugalfitmom/support

Step right up and prepare to be blown away by an electrifying journey through the exhilarating world of wealth creation! The Epic Real Estate Investing Podcast is here, dishing out red-hot strategies and explosive insights that'll have you gripping the edge of your seat, hungry for more! In this adrenaline-fueled episode, we're cracking the code to liberate you from the suffocating grip of debt! Brace yourself as we plunge into the epic clash of debt demolition titans: Debt Avalanche, Debt Snowball, and Debt Delegator! Who will emerge victorious as the undisputed King Destroyer of Debt? You'll have to tune in to find out! But wait, there's more! We're also serving up the ultimate face-off on how to unearth good real estate leads! Uncover the astonishing technique that skyrockets your lead generation success by a jaw-dropping 92%—and it all boils down to THIS ONE SIMPLE TRICK! Prepare to unlock the hidden treasures of real estate mastery and rocket your investing career into the stratosphere! And, as the cherry on top, we're treating you to our tantalizing Deal of the Week, a heartwarming spoonful of Good News, and the freshest, most buzzworthy scoop in Cryptocurrency! This action-packed episode is brimming with value bombs designed to ignite your passion and propel you to victory in the thrilling quest for financial freedom! So, what are you waiting for? Don't miss this opportunity to supercharge your wealth-building journey! Hit that play button and let the battle for financial freedom begin! P.S. Whenever you're ready... here are 3 ways I can help you become the healthy, wealthy, beast of an investor God designed you to be: 1.    Become an Epic community member at “Epic Real Estate Investing.” One of Mercedes' and my favorite things to do is share with investors real estate trends, interesting guests, and housing market news. We do it every week, and you can listen in by subscribing to Epic Real Estate Investing on Apple Podcasts - Click Here. Or WATCH HERE on YouTube. 2. Become an Epic partner (I'll pay you) If you want to go deeper and further as a real estate investor, looking into my partner program to help you get your first deal might be the move... take the first step here for free. 3. Work with me One-on-One If you'd like to work directly with me on your business... meet me here, answer some short questions, and we'll hop on the phone to brainstorm some cool ideas for you and your market. Also...check these out :) FreeEntity.com (Need an LLC? Get one for almost FREE) DealEngineer (Most powerful data for finding motivated sellers) TrueProfit.net (Less stress and greater profits for your real estate business) Learn more about your ad choices. Visit megaphone.fm/adchoices

This week, Christine and Dave assess the budget of a young family grappling with a significant amount of credit card debt and student loans. Even though both parents bring in a fairly high income, the Frugal Fit Spouses urge the couple to trim the fat on their spending and make some temporary sacrifices to achieve their long-term financial goals. DM your questions and ideas for future podcast episodes to Christine on Instagram @frugalfitmom6. Follow Christine! Youtube: https://www.youtube.com/c/frugalfitmom Instagram: @frugalfitmom6 Facebook: https://www.facebook.com/christinethefrugalfitmom Website: https://www.frugalfitmom.com References: Dave Ramsey's Debt Snowball: https://www.ramseysolutions.com/debt/get-out-of-debt-with-the-debt-snowball-plan?gclid=CjwKCAjw4c-ZBhAEEiwAZ105RchA5AybiyC7GgYHStGVTioePSsfgQIF7Q6pmV6UK8vCZmlPHJIi3BoCzYcQAvD_BwE --- Support this podcast: https://podcasters.spotify.com/pod/show/frugalfitmom/support

Dave Ramsey & Kristina Ellis answer your questions and discuss: "How do we roll over an old 401(k)?" "Where to debts in collections go in the debt snowball?" from the blog: How to Pay Off Collections, "Should I let my son move back home?" "What's the best way for me to buy a home?" Support Our Sponsor: Neighborly Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & Kristina Ellis answer your questions and discuss: When you should pause investing to pay off your mortgage, "I owe $13,000 in taxes from my side hustle and don't know what to do." from the blog: Freelance Taxes 101 How to pick between going straight into the workforce or going to college, from the blog: Is College Worth It? How to go to college debt free, from the blog: How to Pay for College Without Student Loans How to be disciplined in your budget and avoid impulse purchases, from the blog: Impulse Buying: Why We Do It And How To Stop Is moving to be close to family ok when paying off debt? When to pause the Debt Snowball for health a crisis, from the blog: When To Pause Your Debt Snowball Support Our Sponsor: PODS Moving & Storage NetSuite Zander Insurance Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Take our FREE 3 minute assessment: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Dr. John Delony & George Kamel discuss: What to do when family members want you to get a prenup but you don't want to, How investing in Legos and other toys is a horrible way to build wealth, from the blog: Dave's Investing Philosophy How to navigate grief and what's next after the loss of a parent, Why the interest on debt doesn't matter in the Debt Snowball, from the blog: Debt Snowball vs. Debt Avalanche How to pick where to live when commuting to work from the website: Cost Of Living Calculator Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Rachel Cruze & George Kamel discuss: Why the Debt Snowball is designed to help you succeed with paying off debt quickly, How paying off your house during retirement gives you even more freedom, What to do when your lease is up on a vehicle, How managing your expectations are important when it comes to home buying, When you can switch from Gazelle Intense savings to intentional investing, Why paying off your house as soon possible is the best set up for success. Support Our Sponsor: Zander Insurance Grip6 Gazelle – Terms & Conditions Apply. Visit www.ramseysolutions.com/gazelle for more information. Established by Pathward, N.A., Member FDIC. Have a question for the show? Call 888-825-5225 Weekdays from 2-5pm ET Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

Take our Audience Survey & Enter to Win a $500 Visa Gift Card: Click here to take the Survey Dave Ramsey & George Kamel discuss: The debt snowball applied to rental properties, Upgrading a home vs. moving, Whether or not braces go in the debt snowball, Using a HELOC to buy a rental property, Preparing for life after college. Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6 Learn more about your ad choices. https://www.megaphone.fm/adchoices Ramsey Solutions Privacy Policy

George Kamel discusses: How to prioritize your debt, Paying off debt vs. investing. Where to put IRS debt in your snowball, Convincing your spouse to sell the house, Planning for a new baby,  Cash flowing college. Support Our Sponsor: Zander Insurance: https://bit.ly/2Xbn7hD  Christian Healthcare Ministries: https://bit.ly/2XBZfE3  Want a plan for your money? Find out where to start: https://bit.ly/3nInETX Listen to all The Ramsey Network podcasts: https://bit.ly/3GxiXm6