A Complete Guide to Critical Thinking About One-Size-Fits-All Debt Advice PART 1: WHAT WE’RE ACTUALLY CRITIQUING The Core Claims of the Ramsey Method Dave Ramsey’s “Baby Steps” system claims to be the definitive path out of debt: The Baby Steps: The Core Dogma: The Revenue Model: Total annual revenue: Estimated $200+ million Key observation: His …
If your 401(k) just took a dive and you’re losing sleep over a debt collector breathing down your neck, you’re not alone—and you’re definitely not doomed. In the latest episode of The Get Out of Debt Guy Podcast, Damon Day and I dive into the emotional side of money decisions and why fear, not facts, …
(Spoiler: Freedom Debt Relief might hurt before it helps—but here’s what you really need to know.) Imagine this: You’re drowning in credit card bills. The phone won’t stop ringing. Your minimum payments don’t budge the balance. And then—bam!—an ad pops up promising to slash your debt by half through a program like Freedom Debt Relief. …
Imagine this: You’re sipping coffee when your phone rings. Unknown number. You ignore it. Five seconds later, it rings again. Same number. You sigh, answer, and suddenly… it’s a debt collector demanding payment NOW or else. Your heart pounds. Do you:A) Hang up and pretend you never got the call?B) Try to negotiate, hoping they’ll …