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@lisette With the success you have had, its by no mistake. Whatever your doing is working and I say keep doing that. But wiping out debt quickly is your best bet long term

@lisette How much do you owe on your car? If you like the car and dont owe much or can pay it off quickly, you can keep it.

@mkelly1075 The only thing I disagree with Dave on is his advice on credit score and cancelling all credit cards. But I followed daves baby steps and paid off $50k and now have around $40k saved in 4 years

@mkelly1075 Im all about Dave Ramsey disciple

@golgothaghostwriter Investing in yourself and not paying back your debt is a bad idea. Focus on debt first, then invest aggressively. Holding off 1-2 years does not make a huge difference