Dave Ramsey Total Money Makeover

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I agree. Most everyone he’s referring to make at minimum $100K+ a

year. His suggestions are practical, yet the examples are a bit

misleading to those who make a more “modest” income. It can be

discouraging to someone who is just not able to progress as quickly as

his “success stories”. Has good prinicples though.

>

> I have noticed that those who pay off huge amounts of debt in a

short

> time usually have huge incomes already and are just simply wasting

it

> away to begin with.

> Someone like myself with a very modest income and after paying the

> nessasary bills has only a few dollars to pay extra on debt, there

just

> isnt any money left to make a differance.

> I will still have five years with monthly payments to pay down about

> $22,000

> It Doesn’t seem like a huge amount but when it isn’t there it really

> seems out of reach,but someone making a household income of 120,000

can

> realisticly pay off 80,000 in a few years of tight budgeting.

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