90’s, Millennial
DINK
Started with a whole lot of debt and with no idea of managing money, let alone investing.
At my worst in 2018, I was living pay check to pay check, with barely any money in my account, always stressed, and was stuck in a negative spiral mentally and emotionally.
After discovering Dave Ramsey, I finally learned to take control of my life again. Managing budgets, learning (and falling in love with) spreadsheets, investing, etc.
I was finally getting some breathing room.
I fell victim to many financial scams due to my naivety and impatience early on.
They were very painful lessons to experience.
However, I wouldn’t change a thing. Those lessons got me to where I am today, stronger both mentally and emotionally.
My risk tolerance is now crazy high within rational reason.
I am now better prepared for decades of boringness.
After consuming lots more personal financial content, experimenting different styles, and most important of all, just reflecting on my own personality, I learned that Dave Ramsey’s style was just not meant for me.
I can tolerate debt. Credit Cards are wonderful in my eyes.
Sacrificing lifestyle quality to reduce a debt for very little financial benefit does not make me happy.