[CSM]

It is difficult to describe the peace one experinces by having no debt and a fully funded emergency fund. If you are working towards that goal, keep it up! It is worth it in the long run.

Dave Ramsey Ping

[txrefugee]

“It’s a crime anytime you lie to get money.”

Unfortunately, this doesn’t apply to our lying politicians.

[yorkiemom]

You can take a little time to evaluate things before moving on to Baby Step 4, which is investing 15 percent of your household income into Roth IRAs and other pre-tax retirement plans.

But the government won't let us put that much in! What is Baby Step 5 (please excuse my ignorance!)? Perhaps that one will tell me what to do with the rest of the 15%.