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    Frugal tips to save money

    @holeyhermit Haha classic thanks for that
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    Thoughts on Dave Ramsay’s Baby Steps in an NZ context?

    @anonymousme185 Good commentary there..I'd also add, US student loans typically have interest on them and some of them are very high
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    Thoughts on Dave Ramsay’s Baby Steps in an NZ context?

    @barbarossa The problem with the "pretty sound advice" of financial matters in the bible, is there also some very unsound advice. You have to cherry-pick both for financial advice and morality, with verses around not saving, inducements to not create wealth but give it away in exchange of...
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    Thoughts on Dave Ramsay’s Baby Steps in an NZ context?

    @lukeplyr83 Even when I'm dead? Weekend at bernies type situation is it
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    Thoughts on Dave Ramsay’s Baby Steps in an NZ context?

    @lukeplyr83 None of those apply and I'm still not following how they somehow underpin your position sorry. Not too worry I'll find some other stuff articles 😂
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    Thoughts on Dave Ramsay’s Baby Steps in an NZ context?

    @lukeplyr83 Thanks for clarifying. So the advice is to pay off the minimum off your mortgage and pay minimum payments to KiwiSaver always and this does have the air of sound advice. What is the minimum to KiwiSaver however would be obvious next question. The next question for financial advise...
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    Thoughts on Dave Ramsay’s Baby Steps in an NZ context?

    @lukeplyr83 Your comments are contradictory, but the link has no relationship to your comments regarding mortgages and retirement so it doesn't naturally follow your position.
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    Thoughts on Dave Ramsay’s Baby Steps in an NZ context?

    @lukeplyr83 So your advice is to not pay off your mortgage early and invest, but then if you haven't paid off your mortgage you can never retire 😂 CFA right 🤣
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    Thoughts on Dave Ramsay’s Baby Steps in an NZ context?

    @lukeplyr83 My mortgage will be paid off when I'm around 70. Is that an issue to consider?
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