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July 14, 2022 27 mins

This was recorded on a live platform called - Wisdom (it is a podcast platform)  and was done so with a sub-par Microphone...kindly excuse the lack of quality sound.  I am trying out different equipment for when I am on the road.

We walk directly into debt while deluding ourselves into thinking it's just this one credit card, it's just an emergency, it will just be this one time, and before we know it...we are in debt up to our eyeballs, scrambling for what little money we have in attempt to make ends meet.  We have to much month left at the end of our money.  This and the next few podcasts to follow are about sharing our debt free journey with you, how we did it, why we did it, and easy steps you can follow beginning today.

Thanks for listening!  I'm glad you're here!
...

A few of the issues I address in this episode - 

  • Ramsey Baby Steps 2,3, 4-5-6
  • credit card debt, personal loans, car payments
  • What we were doing when we realized how we screwed up
  • How banks build their skyscrapers with your money
  • Stop buying everyone else's future
  • Cash is King
  • What's in your wallet
  • The most marketed item in the history of advertising
  • Points, miles, etc

Links to items mentioned in this episode -
Ramsey Solutions
The Ramsey Show
The Rachel Cruze Show
Anthony O'Neil YouTube

Toby-isms:
"If I always do what I've always done, I will always get what I've always gotten."
"Goals don't accidentally happen on their own."

Baby step Two:
Line up all your consumer debts, paying the minimum amount across the board, and then take the remaining leftover from you paycheck and attack the smallest dollar amount with a vengeance until it is out of your life...repeat as you roll that payment up to the next smallest debt, and the next smallest...creating a debt snowball
How do we do this?

On...
Instagram | Twitter | Facebook | Tik-Tok
me@tobybaker.life

Listen -
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