I didn't have them. But we are finally paying my wife's off this month.

Some of this we just didn't foresee, but the flip is we have to warn this next generation about them.

We can save dough if we really set out to do it. His books aren't popular with blacks, but Dave Ramsey is that dude. I got out of debt before I got married fooling with those baby steps of his. We need to share that kind of information in our communities.

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