Dave Ramsay’s plan (swipe) and mine. I don’t disagree with his but he doesn’t explain how to save and invest or build wealth and that’s what so many gurus do. Here’s the thing:

The number☝️ way to expedite your journey to a bigger 🏦 account is to reduce how many bills you pay; mainly cars and 💳. Reduce credit cards 💳 to under 30% of the max limit at most and pay an additional $50 to your car payment minimum each month. Same with the mortgage or make a separate $150 payment to your Principal Only as stated in the memo 📝 line.

Number ✌🏼 is to make your money 💰 work as much as you do. Put at least $100 into savings each month in a high interest savings account that pays up to 25x what a normal savings account does.

Number 🤟🏼 is to make your home your income. Seasonal and vacation rental income are one way as is renting it out when you are moving, refinancing to remove PMI and/or reducing rate, HELOC to purchase an income property, BRRR, etc.

Number 4 is to involve your kids in it too and teach them how to do the same.

Number 👋 is to put money into a RothIRA and have one for each child.