Millions swear by Dave Ramsey’s advice—but what if following it blindly is costing you more than you realize? In this episode, Steve opens up a respectful but honest conversation about: We’re not here to bash Dave—we’re here to question what’s right for you. Because financial freedom doesn’t come from one-size-fits-all advice. It comes from critical …
In the maze of debt relief options, one wrong turn could cost you nearly half a million dollars in lost retirement savings. Many consumers trust nonprofit credit counseling agencies to help them navigate their debt, but the reality is far more expensive than advertised. Before committing to a Debt Management Plan (DMP) or filing for …
Introduction Retirement security is top of mind for millions of Americans, especially as the Social Security Administration (SSA) projects future funding challenges and changing benefit levels. According to the Federal Reserve and EBRI (Employee Benefit Research Institute), total U.S. retirement assets have surpassed $40 trillion in 2025, yet the average household remains underprepared for retirement. …
Yes, I’m a consumer debt expert. But in personal finance, the debt might be stressful, but it is not the ultimate personal finance killer. The lack of retirement savings is. It is human nature to discount a crisis in the future to worry about a bump in the road today. Technically it is called Hyperbolic …