Dustin Swayne

Debt consolidation doesn’t work because you end up paying about the same amount. The truth is that you cannot borrow your way out of debt. The way to get out of debt is to change your habits. You n...

The debt snowball is the process Dave suggests you use to pay off debt. Here’s how it works: list your debts in descending order with the smallest payoff or balance first. Do not worry about intere...

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