When unpaid student debt leads to a smaller Social Security check

[yb1]

And, I've been to a Dave Ramsey seminar, it was a whopping $49. It's not like he's telling you to spend thousands of dollars on a seminar, he's putting them on for cheap, and you don't HAVE to go to one, or buy his book (they have them at the library and you can get them free on Amazon once in a while). Or you can just listen to his show for free whenever you want to.

hilarious hilarious my old boss was a big fan of the Ramsey so I have been to one of his seminars in DC and even got access to his lunch. I was expecting some decent food but got a turkey and mayonnaise sandwich, Oreo, and Doritos. I had access to his online class, I own the total money makeover. All of this free for me and paid for my by boss. Yes I was typing that up in a silly way but its true if you follow his principles you will lower your debt or not get in debt to begin with.

I still use every dollar on my phone to track my spending.

Interestingly enough in that particular job, I was out in the field often going to peoples homes. I met at least 10-15 couples who had a Dave Ramsey story of how they had massed a bunch of debt and applied the baby steps and are now debt free.

Things I don't necessarily like about Ramsey is the man is so rich telling us how to save money. It is much easier said than done but yeah that is a very nit picky thing. Also between his class, the total money makeover and the seminar that I attended he said the exact same thing.


I am still on the baby steps working on an emergency fund, but I am also debt free now. Is there a correlation? maybe? I also go on reddit frugal and try to make sure anything that I buy has value and I am not buying anything just to because I want it.
for example, I'd rather buy a drill with a lifetime warranty for 50 dollars more then buy a cheap drill from Walmart that may break in the next 2-5 years.