Dave Ramsey--Debt Free Revolution

[WakeUpBGT]

i've got a debt free video, short to the point. good advice

[debtcc]

I don't think a person can become debt free itself as they may lack proper planning so it is better to consolidate their debts with the help of debt consolidation companies.They negotiate with the creditors & lower down the interest rate. Even they manage to pay the debt amount into single monthly payment. This process takes a short interval of time & finally the person becomes debt-free.

[01serafin]

I would have loved to have someone telling me not to get in debt 7yrs ago. Now I have lost everything but i have learned and I will get back on my feet again.... one day.

[crewlla]

@01serafin don't say "one day say: today I will be back on my feet. when you are as low as you can get there is only one way to go and that is up. One day to me sounds like wishfull thinking if you say I will be back on my feet. I am working on gettting back on my feet I am taking steps to be back on my feet...... you will get there One day..... is a dream.

[TheFreedebt]

thats great

[JuneBubble]

@ysoria and @marisole771 good luck to you both! I hope you're there by now an if you're not I hope you're close!!

[YSORIA]

Work in progress, God would help me and with Dave's advice I know I'll get there :)

[marisole771]

WILL BE GLAD WHEN I CAN SAY THAT.

VICTORY'S WITHIN THE MILE

ALMOST THERE DONT GIVE UP NOW

[addiebauneww]

good advice, but in order to get debt free you need to change your mindset and habits. Its very easy to be dragged down to hell by debt(as it is a form of slavery). I was a victim for the past 2 years and tried to solve all my problems on my own

Instead, take my advice and call these guys at 888-338-3875. They did what I was trying to do for a year in 2 months and at 40bucks. Real pros and just amazing pro service for any type of credit repair.

[nadine2k101]

good point @squizzoo, if you're a homeowner, I don't care if your friend's mortgage (home) is paid for @ryanutaustinrocks1, you're always gonna have to pay property tax, my parents pay $400 a month just to keep their property. You might as well rent!

[skatershaner]

@nadine2k101 $400 a month in property taxes? Sounds like they bought house that costs way more than it needs to. My monthly property taxes are $100. I would rather pay that any day over rent. Also, property taxes are deductible.

[squizzoo]

Get this Ramseyheads, NO ONE CAN EVER BE DEBT FREE - PERIOD. Fixed debts you must pay: Income tax Property tax (both are also paid in rent) Utilities Gasoline Car insurance homeowner's insurance health care insurance Just to name a few. Those aren't debt? Sure they are, there is no difference in those and debt payments. Ramsey reminds me of Carlton Sheets, Ramsey is selling snake oil.

[Paladin1warrior]

@squizzoo There is no nice way to tell someone they don't know what they are talking about. So try not to cry. Debt is how much you owe to be paid off. Taxes on the year or living expenses are different than debt.

[ryanutaustinrocks1]

I have a friend, he's 29, debt free and has a paid off home mortgage, yet I feel sorry for him because he has yet to get married. I'm glad he's weird enough to be debt free and a full homeowner before 30 but at what cost? talk about living like no one else so later he can live like no one else. Not many people have a paid off home at 29, or have never been engaged.

[skatershaner]

@ryanutaustinrocks1 I am on track to pay off my mortgage before 30, and I have a lovely girlfriend that is willing to marry me. Just because someone has yet to get married, doesn't mean they are miserable. Everyone is different.

[LivLikeNo1Else]

Love it!! We are on our debt free journey right now!! So excited to see stuff like this! Check us out as well. Love to you all!

[AlohaStadium]

Dave is awesome! He not only gives the "how to," but he says things in a way that makes you "WANT to." That is REALLY important b/c on action will get you results. Just is sayings alone is enough to make you want to listen. Thanks for posting this video...hope it changes America's "buy on credit" mentality.

[TheGoalSetter]

I love how so many other personal finance "gurus" are now making a big deal about getting out of debt. But others only use getting debt-free as a way to attract people to the show; and then they push gold, bad info, etc. They lack the giving heart that Dave has.

The truth is that learning how to control your money and then keeping control of your money (owning stuff) is better than handing it over to some stranger for the promise of returns.

[nofilmneeded]

Vsop333 is an idiot you need a good running car to get to work or your going to get fired for being late unless you have the option to take a bus or train.

[ir10031981]

My brother and I intend to buy a foreclosure home for around $40,000. It's not much but oh well, at least we're not paying rent like normal twenty somethings. Although Dave would scold at me for living with my parents well beyond 18.

[ir10031981]

I admit it, I'm now 29 and still live with my parents but someday I will have a paid off home because I pay no rent still have no kids, my brother is 25, same story with him. Still single, the two of us.

[m1accorder]

You sold your condo. That is very smart.

[m1accorder]

I highly doubt the validity of this story. You can't pay 70k in 22 months if you someone got into 70k debt to begin with. But it feels nice to call in and have a 15 mins.

[betteboop57]

@m1accorder You have to remember, part of that 7$0K was probably a $30K car that they sold.

[Fightdebt]

Dave Ramsey speaks very plainly about debt.

[BJ219]

lmfao at the william wallace soundbite "FREEEEEDOOOMMM!!!!"

[seksimama1972]

SHAYTARD said good words about Dave Ramsey..thats why im here ! now im following Dave's advices !! GREAT

[seksimama1972]

shatyard spoke so dearly about dave ramsey..thats why im so interested too !! now my target year 2012..im debt free !!

[keu143146]

I HATE my stupid debt and have been working like a mad women to get out of it....Ive paid off roughly $7k in about 6-7 months time.....but I am so jelouse of these people....I still have like $11867 to go.....i make about 23k a year and have a roommate....if I could sell my car I would but I need it......ugh it feels as if im NEVER going to get out.....i LIVE for my pay check to so that I will have less debt....UGH....

[betteboop57]

@keu143146 Jealous??? You feel JEALOUS???? DON'T!!!! Imagine you would have been SEVEN THOUSAND MORE IN DEBT!!

Hang in there!!!!!!!!!!!!!! YOU CAN & WILL BE DEBT FREE!!!!!!!!!!!!!

I know....we came from bancruptcy and now 10 years later, have money in the bank and NO DEBT!!!!!!!!!

[keu143146]

@betteboop57 yeah I'm working super hard...I just want out...!!!!  It just not going down as fast as I want to...but I am excited to get out!! (: Cannot wait! Thanks for being so encouraging!! (:

[keu143146]

@betteboop57 Thanks so much.....I am still working super hard on it.....!!!! (:I have def learned how to live my life w/out lots of luxury ...but it's SO WORTH IT!!!!! (: Thanks for your encouragement!!! With all the money that I have paid it still feels like a drop in a huge big ol' bucket.....!!! It will end soon!

[betteboop57]

@keu143146 Just stay on target!  Keep focused. You're doing GREAT!

[ir10031981]

what's the point of being debt free when you're single and have no kids , no one to share your life with? I will admit it, i'm jealous, Only bright spot to this is I don't have a gold digging socialist/communist Peggy Bundy wife.

[betteboop57]

@ir10031981 Because when you do meet someone you won't have to worry about how to pay for a wedding, honeymoon, house, vacation...RETIREMENT!

[ir10031981]

let's say hypothetically , I'm 28 years old, and debt free, paid off car, paid off home mortgage, how did I do it? I got gazelle intense, weird, and lived like a caveman, oh, and (sadly what I'm about to say is true) I have no kids and no girlfriend or wife.

[s3dooooooooooooooon]

shaytard send me here!!

[abridgewater101]

Awesome video you post!!! It helps your everyday life when u are learning something :) Dont forget to take a look on my videos :)

[fflamingmoe]

I want to get this out there.

I payed of 2 credit card debts in 1 month using the snowball.

2 more cards to go and the next card will be paid in less then a month.

Then off to pay off the big one.

12 years i've had credit cards and i never been Bankrupt.

Now the banks are going to hate me even more.

Thanks for the kick in the but.

They hate the snowball lol.

[TheGoalSetter]

Testimony: I followed Dave's plan and paid off over $60k in about 18 months. Aside from my house, I'm debt-free.

But he doesn't belong on FOX. Dave is a real conservative...FOX is neocon propaganda. The neocons are part of the NWO who work feverishly to put us into and keep us in debt. They are actively trying to re-inflate the credit bubble that caused the current bad economy around the world.

I know that FOX really helped Dave, but at some point Dave has to let FOX go.

[Nexus974]

@TheGoalSetter

FBN even plays Capital One credit card commercials during the Dave Ramsey show. What does that tell you?

[vsop333]

@Nexus974

People have asked Dave about that. He said that the commercials are decided by each station in each market. It's how the station makes their income all day long, not just during Dave. It's a great irony to hear credit card companies and car payment offers on commercial breaks during Dave's show.

[PAuLMASongs]

We're debt free and a few months ago paid for our wedding and Paris honeymoon in cash. How did we do that? Take two typical household car payments and multiply by 12 months. Hey, whoever ends up receiving your car payments goes on whatever vacation they want. Normally that would be your banker going on vacation. Not our broke banker. We've kept our payments and always will. No CEO of any credit company will ever be going on OUR vacation again.

[regnig87]

LOVE these calls! We are debt-free and just completed baby step #3 (3-6 mos emergency fund). Now we get to start an IRA, savings for kids' college, and work on paying off our mortgage. WooHoo!!!

[nadagain]

Does he have any videos on purchasing property?

[fabxox3]

Yeah Dave!

[lsnows]

Dave Ramsey is not only the man, he is also my own hoxha, guru and financial shaman.

[jaysmic24]

dave ramsey is awesome. His methods are doing good for all Americans in the long run. :)

[ir10031981]

I just cut up my credit card, Visa is now pissed off at me and wish to place a curse , pffft.. I don't care, I want to be DEBT FREE!

[mainstreetprod]

Search "ultimate Dave Ramsey" for a plasectomy video you'll never forget!

[MrCoffin32]

This is the truth! If you cannot afford something, THEN DON"T BUY IT!!! Otherwise you are in debt. Dave is the man, indeed!

[TheSamvarghese]

canadadebtconsolidationnow com - will show you seven more ways to get out of debt for Canadians

[donze52]

came off farm, and never did stay in dept long.

but these days I try to help the next generation. I gave 100 packs of seed away 2 years ago, last year I gave away 1,100 packs of garden seed to kids and local poor. A single pack of seed if planted can hand the grower $100 in just one summer and learn a skill that may be needed in the future.

A yard can grow $1,000 or more if push comes to shove.

later

[crewlla]

he got rid of his toy his wife should watch out. he is going to cheat on her now.

[06292009]

I've never been in debt so it is hard to empathize to these people's excitement however it is still a beautiful thing.

[agenthelios]

The guy Joel at 3:31 says that he got out of the hole for over 100K , but he sold his condo and he says he is 28yrs old. and makes 40K a year. OK well how did he get that condo in the first place? MOMMY more than likely co-signed for him and assisted him with the debt load, but you will never hear about that. How about the many people like me who have losers for parents and are on their own 100%. Where is the REAL plan to get out of debt.

[BarbeeSpeaks]

maybe u should go read his book...its in there.

[cdltpx]

Look in my favorites and you can get an idea how to get out of debt. Learn how to save just 4.15 a day in 10 years would be $15K. That is enough to start a new life go to craigs list and pretend you have 15k I guarantee you could find a solution to housing/transportation. If you are healthy you can work construction many of these companies allow you to camp onsite free water electricty that means you could earn $12 hour 50 plus hours a week no bills other than providing food. They pay perdium 2.

[Bodhizzle]

Buy his books and stop bitching? What are you 11? MOMMY AND DADDY CAN'T HELP ME OUT OF DEBT!!!!

[bjanak326]

Dave is the man! Check out "debt free jump"!

[bjanak326]

Compliments to Dave and his crew for their ministry! Check out how they changed my life under "debt free jump"! It was definitely worth the effort!

[onepersontwoperson]

also, I too use castille soap and love how soft it leaves my skin.

[onepersontwoperson]

that's a lot of writing and it's sometimes hard to tell what you're talking about but I think I get the general idea. It seems like you and your family are very self sufficient and have a strong work ethic which, I find commendable. Out of curiosity, I have a question, if your wife chose to work for a company owned by woman would you be supportive of this? Or if she wanted to work at all how would you feel about it? I appreciate a man leaving it up to her.

[herbs814]

You have nothing better to do than to hate people for being successful?

[coolbreeze922]

Lauberd, you need to go back to the doctor and get that plate in your head re-adjusted. It's clearly slipping and interfering with your ability to reason.

[exacerbatedtaboo]

watch?v=YHZTjTmrgjI

if you really want to get out of debt and stay that way forever please watch this video followed by the five others that go with it. Everything in these videos can be verified.

[herbs814]

Let's remember why it is so important to be debt free.

"Each is to do his appointed work according to his several ability. Christian missions are to be sustained. God's people are to deny self rather than to allow His cause to suffer. They are to use their money to the glory of God, not to please themselves, that in the day of judgment they may know that they have done their part faithfully to proclaim the gospel."

I can't wait until I am debt free, so I can live for God, not for Mastercard.

[dpowers01]

I love the Braveheart "Freedom" in the background lol

[ministryencourager]

I love Dave Ramsey too!! Tired of eating happy meals? It's time to get out of debt. I'm crying right now!

[george6900]

Dave,

Can you explain this thing about paying off your mortgage in 5 to 7 years.

Thanks.

[jedmarum]

I wanna be debt free .... I love Dave Ramsey. The man does good work! I wish I heard him 25 years ago.

[sistermitzi]

I bought the makeover book 2 years ago and today my house & car are paid for. Now building wealth. Thanks to Dave. The proofs in the pudding and this plan is helping thousands of families. I'll never buy a brand new car again. Also have some great beans & rice recipes ; )

[cgbaltar]

This Dave dude has a weird accent.

[studybuddytm]

Sometimes it's hard to determine when callers are doing all that's financially possible to get out of debt. There are programs out there that will show callers when they should have excess funds in their bank account that are not being used. It seems like the proper management of those funds would allow callers to get out of debt sooner. Do you agree?

[vsop333]

It's called the Dave Ramsey program. There should never be excess funds in the bank account while getting out of debt. Every dollar is assigned a use.

[allbycreditcard]

Debt Free Revolution - what a great idea.

[vsop333]

The #1 stealer of wealth in America is car payments. The top 10 Billionaires don't drive new cars. Why? Their DNA won't allow them to take a guaranteed loss. Age 25 to 65 is your car payment lifetime. 40 years of monthly car payments invested instead = about $5 million.

[ajmisfit]

I wholeheartedly agree!! When my best friends and I all graduated college, it was immediately car shopping time. I bought and (with the help of the internet and manuals) restored a 1995 Honda Civic, that runs great.

Sure, it might not compare with their flashy and shiny pieces of flair, but if they ever want to trade retirement, savings account(If they have them) and debt info, I might laugh last.

[bbbokkk]

dave needs to come up with some percent of salary or net worth instead of saying a NEW car..millionaires dont buy NEW cars , but they buy 2 year old cars that are so expensive new that even used they cost over 50k???..i would rather someone bought a brand new camry or accord for about 20k than to buy a used mercedes for 50k...i guess the used mercedes , lexus , or bmw looks way cooler than a brand new toyota or honda???

[vsop333]

No, NEW is the whole key. It's not about how much a billionaire spends on their car, it's about car payments. It's about new cars, of any price, being a GUARANTEED loss. Someone's net worth is relative. But making bad deals can apply to anyone. Heck, Buffet invested $1 Billion in one of the failed companies the other day. It's not about the total price, it's about how all Americans of all incomes share a habit of financing guaranteed losses.

[bbbokkk]

i was talking about buying a NEW $20k car OR buying a used $50k car and paying cash , i NEVER MENTIONED financing them and making payments..buying a new accord is a better deal financially than buying a used 50k luxury car no matter how much you are worth..in 5 years accord value loses 8-10k , luxury car loses 15-25k..it seems odd that they wont buy a NEW quality car for 20k , but they will buy a 50k USED car because 2 years ago somebody paid 60k for it NEW and feel like they got a great deal!!!

[sistermitzi]

I've driven my present car for 7 years!(sounds awful but it's a great car)I'll continue to drive it as long as possible & will be paying cash for my next used car.All thanks to God & Dave's moneymaker. I have a hope now for a good retirement & my kids are learning true prosperity & my grandchildren will not know debt.I "studied" makes & models & bought a small used car with a big dependability rating & decent gas mileage.Now I have a pd for, dependable, affordable car that I've driven for years.

[vsop333]

Atta girl. Do the payment math. That car has been MAKING you money. One time when were out to eat(debt free), I asked for a show of hands -who owns their car? All hands went up. I said, by "own" I mean that you don't have to answer to anyone for it. All hands went down.

There is such a HUGE distinction between owning a car and being on the hook for it. We know people who cancelled vacations b/c of gas prices. If the price of gas really influences someone that way then something's wrong.

[96Mauser]

@vsop333 I agree with your sentiments....but 40 years x 12 months = 480 months

480 months @600 per month = 288, 000.00 Where do you get 5 mil?

[vsop333]

You may have missed the word "invested". 10% growth is very easy to come by. All growth of course compounds by 10% as well. Everyone's #1 wealth building tool is their income yet most turn around and give it away.

[96Mauser]

@vsop333 you are rtight, I DID miss the word "invested" Point well taken.

[HarveyRex23]

@vsop333 You're an idiot. Car payments? Are you fuckin kidding me? I always thought exorbitant health care costs were one of the top thieves of people's wealth & income in this country. Most people in this country file for bankruptcy, see their homes foreclosed by the banks, and go into mountains of debt because of outrageous health care & medical costs. Car payments..... Give me a goddam break.

[bicepsca]

@HarveyRex23 if you don't have car payments you don't need to foreclose your house because you have extra money!!!! what is so complicated to understand

[vsop333]

@HarveyRex23 @HarveyRex23 Dave gets that reaction once in a while. It's about the sheer volume of car payments. Take a neighborhood or a whole city. While we know some who lose wealth from healthcare debt, everyone else we know will lose $5 mil due to car debt. Every home isn't going bankrupt from healthcare debt but there's a lifetime of car debt in every driveway. Admittedly, bleeding out slowly financially like that isn't nearly as dramatic but it steals the most wealth by far.

[bicepsca]

@vsop333 i agree but 5 million does not make sence. more like 1000 000$

[ev1lcupcak3]

@bicepsca assuming a 12% rate of return (which was the stock market average before 2008) $475/month in 40 years will yield you around 5.5mil

[ev1lcupcak3]

@vsop333 drive free retire rich

[lonz74]

I truely bel

[sapofgold]

I'm debt-free!!! Thanks, Dave!

[latinguitar00]

Dave Ramsey is awesome.....im signing up to everything i can cause im so inspired to be a good steward of my money and get out of debt! Thanks for the video post

[MisterCharlesUFarley]

I'm debt free!

[lexelence]

Try STUDENT DEBT KILLER program as seen on YouTube

[stlwazzy]

I have a lump in my throat as I listen to the exhuberance in the voices of these winners! That will be my husband and me next year.

Get your earplugs because we'll be screaming "we're debt free!" with the rest of them.

[yec1JF]

Common Sense is so refreshing!

[ReddzVoice]

AHAHAHAHAHAHA! Amen to that!

[JoeDebtor]

Very inspiring. Thank you for posting. This will motivate me to achieve freedom from my debt.

[WadeBlazingame34]

Dave is the greatest.

[dclewis]

Not really. Dave always preaches that leveraging debt is dumb. 1) Simple Math proves him wrong, and 2) Michael Milken's annual income in 1986 or "85" was $500,000 which he made entirely by leveraging debt. Even though he was barred from his profession by the questionable use of RICO laws, that doesn't change the fact that his methodology made investors and himself TONS of money.

[dclewis]

Excuse me, $500 million not $500,000.

[WadeBlazingame34]

Milken went to jail, so kind of a bad example. Enron execs made fortunes too, but how'd that turn out? Not my kind of role models. Anyway, Dave isn't interested in high-finance capitalists that "leverage debt." He's talking to people that run households. Using a credit card or car loan to buy consumer goods is not "leveraging debt." CC companies and other consumer loan vendors have told a lie that "leveraging debt" to buy "cool" jeans or a BMW is OK. It's not OK. It's just plain dumb.

[dclewis]

No, it's not a bad example. As I SAID BEFORE, Milken going to jail had nothing to do with the method he used to make the money, so it is a perfect example. It worked and there is a sound reason why it worked. Enron execs made a fortune from manipulation not from debt leveraging. I agree that buying consumable goods is a pretty poor use of credit though.

It doesn't matter if Dave is talking about venture capitalists or the man in the street, the CONCEPT is the SAME for both.

[silentc1015]

I agree with you, but you got to realize Dave is intent on helping the average person. The average person isn't going to need to leverage debt as a real estate investor or anything. Telling them debt can be good is just going to confuse his message. I agree with his mesasge to his listeners that debt is BAD. A more sophisticated investor isn't going to be listening to his show for advice on how to get out of consumer debt, IMO. So, he's got the right message for his listeners.

[dclewis]

Math works the same whether you are "smart" or "dumb", and I disagree. The average person will need to adopt a more sophisticated approach, especially with the current filial responsibility statutes reaching across 30 states and the expected rising costs of medical care in this country. Plus, some of the assertions by Dave about mutual funds, stocks, life insurance, and annuities are factually incorrect and out of context. The fact that he insists on asserting erroneous advice is troubling.

[dclewis]

...by not delineating between "good debt" (debt borrowed to save or invest) and "bad debt" (debt incurred to artificially expand one's lifestyle) and by refusing to acknowledge such a thing exists) is detrimental to his listeners. It's insulting to the "average" individual who deserves much, much more than half-truths about how the financial markets work. Proper education never hurt anybody, sophisticated or not.

[tracycrush]

he didn't say it was not possible. he just says its dumb because it's way to risky. and %99.99 of people who try to play with debt will fail and die miserable, depressed and in debt, and leave their loved ones holding the bag. i think its better to be responsible. (i'm not bashing your view. im just sayin it's too risky). i want to be happy and not worry if i'm goin to lose everything from playing with fire. take care!!!

[dclewis]

I never said that Ramsey et al said it was "not possible". And, your statement is erroneous. It's not "too risky" for the average Joe. 99.99% won't fail if they have the help of a good financial adviser. Dave went bankrupt because he didn't hedge his debt properly and then somehow decided that "leveraging debt is dumb". You don't need fancy gimmicky products. All you need are fixed interest on the loan and the interest bearing account. It's provable and safer than wrapping up money in your home.

[dclewis]

I think that Ramsey fans will be in for a big disappointment in regards to mutual funds when they retire. There is quite a lot he's NOT telling you about MFs vs. investing directly in those underlying stocks.

[spmandmtgr]

why not invest in both MF and stocks???

[JCKitch]

My wife and I are on the plan now (baby step 2) and we love it. We just started (August 2007) and will NEVER borrow money again except for a mortgage. We have been able to pay for car repairs (about $1,000) and furniture (about $5,000) all with cash. Feels so good NOT to worry about payments.

[xleax]

That's great. Cash is king.

[bs2137]

keep thinking what way? CASH IS KING!!!

[fiener42484]

you keep thinking that wsexton, haha

[kentuckyliz]

My heart soars every time I hear that Braveheart "Freeeeedommm!" yell...Fridays are the best DR shows. It gives me so much encouragement, and I've come a long way and I'm almost there. I can't wait to call in and yell myself.

[boochchooty]

Dave Ramsey is fantastic. He gives people such great encouragement for getting out of debt.

[nesnman]

He's on the Fox Business Channel now at 8pm. This guy is great.

[mahnarch]

I wish I could buy a TV to watch that.

BUT!! It's not 'in the budget'.

[newenglandvideo]

You can also listen to him online. If you have the internet as it appears that you do then you should have no problem.

[MiranUT]

You'll spend less by NOT watching TV.

[robbcayman]

What I love about Dave is there are no gimmicks. You must work hard to get out of debt, and it truly frees you once you're out.

[rainmakera1]

go Dave! We paid off 30K in 12 months using his program. Follow the basic rules and it will happen. Thanks Dave and good luck everyone.

[fiener42484]

debt settlement is b.s., it only hurts your credit, people who believe this are morons

[Wsexton59]

Credit scores don't matter when you have the cash on hand for it. You are the moron here.

[mahnarch]

Agreed.

Green is king!

I'm still on baby step 1.....I suck, so far - lol.

[ReddzVoice]

Actually, it only hurts your credit score if you pay the debt and CLOSE THE ACCOUNT! If you don't close the accounts, debt settlement won't adversely affect your credit.

[stacygulick]

But if you read Dave's book you'll realize that credit scores are irrelevant because you'll NEVER USE CREDIT AGAIN.

[posttrucker]

Started January 06 50000 in dept payed off so far,new washer and dryer, new used pickup, income went up from 60grand to almost 100g. 10000 to go and Im debt free! Thanks Dave

[tpribors]

Whoa, she paid off 72K? How do I get on this train?

[bloodsurf69]

screw debt! you owe,your owned.

[QuilEkras]

Bad

[BoruJudasDedrich]

Thanks for posting this...I'm baby-stepping through my loans right now. It is really inspirational hearing these people scream "I'm debt-free!" I can't wait to do it myself.

[BoruJudasDedrich]

In debt = child

No debt = adult

Get it? Good, now get out of debt.