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Episode 270 - Bad Money Habits that are Keeping you Broke

Hey readers, today let's delve into some common money habits that might be anchoring you in a financial rut. More importantly, we'll explore actionable strategies to help break free from these habits. If you're ready to aim for a life of financial freedom, this article is just for you. 

 

10 Money Habits That Could Be Keeping You Broke 

1. Following the Crowd 

Following the crowd can lead to a false sense of security. It’s crucial to remember that a significant percentage of households live paycheck to paycheck. When following what others do, you may end up mimicking their financially unstable habits. It is essential to assess individual financial health rather than conforming to societal pressures. 

2. Not Budgeting 

The power of budgeting cannot be overstated. Despite negative connotations, budgeting does not signify being broke but involves keen awareness of expenses and income. Ignoring or inconsistently following a budget can perpetuate a cycle of financial instability, regardless of income levels. 

3. Impulse Buys 

According to Shopify, 40-80% of purchases are made on impulse. Even small, seemingly insignificant purchases can accumulate, significantly impacting financial health. With the ease of online shopping, it’s more vital than ever to remain vigilant and resist impulse buying. 

4. Ignoring Savings 

Neglecting savings leads to a lack of financial security. The median 401k balance for Gen Xers illustrates that retirement savings often fall short. Early and consistent saving is crucial for future financial stability. 

5. Relying on Credit Cards and Debt Products 

Credit cards and debt products are often marketed as solutions for financial emergencies. However, relying on them perpetuates living beyond means. The societal norm of using credit should be replaced with saving and intentional spending to avoid accruing debt. 

6. Living Beyond Means 

Whether trying to keep up with social circles or indulging in unnecessary luxuries, living beyond means is a major financial pitfall. Adopting mindful spending practices and separating needs from wants can mitigate this issue. 

7. Neglecting to Track Spending 

Not tracking spending leads to uninformed financial decisions. Reviewing past spending can reveal patterns and areas for improvement, helping to allocate resources more effectively and giving a sense of control over finances. 

8. Lacking Short- and Long-Term Goals 

Without goals, financial decisions are often driven by emotion rather than logic. Setting clear short-term and long-term financial goals provides direction and purpose, making it easier to resist impulsive spending. 

9. No Debt Payoff Plan 

Having debt without a clear payoff plan is a recipe for financial stagnation. Establishing a structured plan to tackle debt helps in making consistent progress and avoiding unnecessary interest and penalties. 

10. Emotional Spending 

Emotional spending often results from not having defined financial goals. Developing discipline through goal-setting helps to curb emotional and impulsive spending, ensuring that financial decisions are aligned with long-term objectives. 

Final Thoughts 

Improving financial habits requires action. To improve these habits, consider tracking spending, developing a comprehensive budget, setting concrete financial goals, and creating a solid debt payoff plan. Taking control of finances can lead to impressive results in just a few months. 

Resources Mentioned
Get better results with your finances in 30-60 days - GUARANTEED. Watch this video to learn how! - https://www.debtfreedad.com/payoff-debt-in-60-to-90-days 

Free Tools and Downloads at www.debtfreedad.com

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Episode Transcript: 

Brad:  

Hey guys, today we're gonna be uncovering the 10 key habits that might be keeping you stuck and in this financial rut and, more importantly, we're gonna be sharing some actionable strategies that we've used to turn things around. So if you're ready to break the cycle and start building a life of financial freedom, this episode's gonna be just for you. Let's dive in.

Announcement:  

You're listening to the Debt-Free Dad Podcast with Brad Nelson. Brad and his co-hosts experience the anxiety of living paycheck to paycheck before learning the fundamentals of financial success. They are now on a mission to empower regular people to pay off their debt for good and enjoy happier, less stressful lives. Keep listening for inspirational interviews, tips, tricks and practical advice to gain financial freedom.

Brad:  

Hey guys. I'm Brett Nelson, founder of Debt Free Dad. I paid off about $45,000 of debt, have been debt free now for more than 11 years, outside of my mortgage. I've also been fortunate to help thousands of other people save and pay off tens of millions of dollars with the work that we do here at Debt Debt.

Amber:  

And I'm Amber Taylor and we've saved and paid off over $54,000 in 20 months and have been living debt-free outside of our mortgage since 2018.

Kati:  

And I'm Katie Hatfield and I'm still on my debt journey and it's been six years, but on a single income I have paid off over $170,000 in that time.

Ryan:  

And my name is Ryan Nelson, and my wife and I paid off about $160,000 over eight years while raising three kids.

Brad:  

Now, super cool, guys, If, after listening to this episode, if you want to take your finances a step further, you'd like to get started, you'd like to get better results in seriously as little as just 30 to 60 days. We're going to be sharing some details about how you can get started with that later on in today's show. So, guys, fun topic. Well, I think it's kind of fun because it picks on a lot of the habits that kept us broke for many, many years. But I think it's been a while since we've done an episode like this and I think sometimes it helps to kind of rub your nose in your bad habits.

Brad:  

You got to kind of wake some people up. You got to turn some light bulbs on and shake them up and be like no, no, no, you can't be doing it like this, because this is what's keeping you broke. And, in all fairness, I think we should let everybody know and again, these were the ones that I came up with, so you guys need to add your own. But, in all fairness, I did all of these that we're about to talk about. So I don't want you guys out there listening this being like well, are they just great that they never messed it up, and the reality is is.

Ryan:  

I know about these because, well, this is the life I used to live well, and I think, as we go through these two, I think just because we've got debt-free doesn't mean we're perfect, and there's still probably a couple of these on here that I still struggle with to this day. I'm better at doing them more consistently, but I'm not perfect by any means, and I still go off the rails and do wrong things occasionally. What, no, what.

Brad:  

No, no one's perfect. I think you should share which ones they are. Oh, yeah, yeah, I will. The first one is first bad habit that'll keep you stuck, keep you broke, is you follow the crowd. And when we say you follow the crowd, you got to realize the statistics behind personal finance.

Brad:  

I know a lot of people know, but maybe a lot of people don't. But the reality is you might be thinking when you're on social media and you're looking at what your friends and family and your coworkers are doing, you might look at it and be like, well, they seem to have it all figured out because they look good, they're doing this, they went on that vacation, they drive nice cars, they have a nice house, they wear nice clothes. Man, I mean, they got it figured out. But the reality is nearly six sometimes, depending on the study, seven out of 10 households are living paycheck to paycheck right now, which means that the majority of people are one or two paychecks away from financial disaster. If those paychecks don't hit their bank account, things get scary very, very quickly.

Brad:  

So if you're following the crowd, if you're following what everybody else is doing and you're hyper-consumer, you're always on the latest and greatest thing and you're trying to keep up with everybody else. Reality is is you're keeping up with a lot of broke people, and for me, guys and you guys can share a little bit about your side on this, but for me this was kind of a huge wake up call. That's why I put it first, because I did have this thought or feeling like, well, yeah, I mean broke people can't have nice houses, broke People can't drive these nice cars. I mean they have to be doing well right, that's not the reality.

Kati:  

They probably have a good credit score though.

Brad:  

Oh yeah, oh yeah, for sure.

Kati:  

But this is why you have to remember everyone on social media is also using a filter that takes off, like the little lines and wrinkles and all the things on their faces, so you're only seeing the best parts that they allow you to see. They're not showing you the room full of crap that's behind them right now, because you've been cleaning out all the things in your guest room.

Ryan:  

So that was totally me. I mean I, I'm not, I'm not ashamed to admit it now. I mean I posted the big house and the nice cars and the vacations and look at us, and you know, I just remember people be like man, you're just doing so well, and you know, and then everybody would leave and it'd be like don't spend 20. We got 28 bucks to pay day, not spend anything. And it was just like you know.

Ryan:  

Um, there's a book I was looking at it as you were talking about this one called stop acting rich, and he kind of even talks about this in there, about just moving into a nicer neighborhood. You know, like a step up in your neighborhood can like completely destroy your finances, because once you, you kind of become we're people, right, we're creatures of habit, we become what we surround ourselves with. So if you move up into this fancier house and you really maybe technically can't afford it, suddenly now you're surrounded by all these people who have nice things and nicer things than you. And it's just this psychological thing.

Ryan:  

And I remember when we lived in a neighborhood like that, it was just like kind of like what you said, brad, how do these people do it? And it's just like kind of like what you said, brad, how do these people do it? And it's just like, well, we're going to do it because they're doing it and if they can afford it. And the reality is, I would venture to guess 50 to 70% of the people in that neighborhood were doing the same thing we were doing, just charging, like living paycheck to paycheck and hoping nobody finds out their dirty story. You know that they don't. They really can't afford any of it.

Kati:  

Yeah, when I would drive over to my sister lives in one of those neighborhoods and I had a seven-year-old car sometimes it was like could you just pull that into the garage so it's not like sitting out on the street in front of our house? Yeah, but now I have a new car so I feel like I can park in the driveway.

Brad:  

You've been approved. The next one, guys, pretty common 66, 67% according to Gallup. Not budgeting.

Brad:  

That's how many people don't have a budget 66 to 67% of people don't have a working budget. So, again, I think there's a lot of negative feelings around budgeting. You know, budgeting means you're broke, means you're cheapskate, means you don't like to spend money, and the reality is it's just none of those things. It's really just calculation of the current money you're making and the expenses that you have.

Brad:  

I've also seen people on social media say, like budgeting is such a limited belief. You need to go out and just make more money. If you need a budget and it's like, well, a budget, it doesn't mean that you don't want to make more money. Like I want to make more money. I mean I have a budget for the current money I make, though, but that doesn't mean I have goals to not make more of it. But then, when I make more of it, I'm also going to have a budget to also calculate those things out too. But most people live in paycheck to paycheck, myself included. We don't budget or we do one, uh, but we're just not very consistent with it and we feel like just putting together the budget is the hardest part, or is really the work, and it's not. It's following it. That's the hard part that was me.

Amber:  

I was always the I'll make a budget, well, you know, and we're gonna stick to this, and then it ends up in a drawer yeah next month we're gonna do it again and it's been a drawer. We just we never budgeted, and that's one of our biggest downfalls for sure for keeping us in debt for so long.

Kati:  

Yes, my budget was a very nice, pretty spreadsheet on my computer at home, not at the grocery store where I was spending the money. So, yeah, like, oh yeah, I need to actually look at what kind of fund or amount I have budgeted for what I'm about to do.

Ryan:  

So, yeah, and this is one. So you asked me to be honest. So this is one where I struggle once in a while. Still, yeah, from a budget standpoint, I don't really love doing them, especially after we got out of debt.

Ryan:  

And, like you said so, like what you said, that person said like, oh, you just need to make more money. Yeah, that's really stupid advice because, like, you'll be amazed at how much money you can just waste, cause you know you have it and like, but a budget isn't like limiting, it's just sometimes I times I get lazy and we don't feel like doing it or we don't feel like discussing it, and then we'll have like a month or two go by and we'll be like, how much do we spend on going out to eat? Because you, just because you don't, you're just not paying attention, and so like I, so I this is just one that I mean we're we do pretty good at it, but I, I do have my moments of weakness where I'm just like I just I don't. I don't really want to follow it this right now, cause I know we have, I know we have it.

Amber:  

When you do that, though, do you find you go over budget, cause I, I find I do yeah.

Ryan:  

Oh, for sure.

Amber:  

For sure.

Ryan:  

Yeah, and I try to, you know, and I try to make excuses for it, and usually in the moment I'm feeling pretty good about it until we get, until we'd like later have to deal with it. That's so stupid. Why do we do that?

Brad:  

Yeah, then you remember, then you remember you're on a podcast. Yes, yes, yes Well.

Ryan:  

I just I just want it Like, I want to make sure as people listen, like we're just people. Right, I am not perfect and I don't want to ever come off on this as like I just know totally everything about finances, because the reality is, even when you're out of debt, it's like anything. You still have the temptations and all of it's so easy to fall right back into old habits, even once you get out of debt. I mean, like you've said it, brad, debt will take you back in a heartbeat, so it is super easy to get right back to it.

Kati:  

Yeah, absolutely, I have to stick to that too, because I've been a little swipe happy this year, unfortunately, and it's so true, like I have made so much progress. And then you just start to go back down that slope and it's like, oh, this slide. I remember this going backwards very quickly and it's like, okay, pump the brakes and all right, put the credit card back where you can't find it. And yeah, I admit it's, it's hard, it's a struggle.

Brad:  

you go, I think once you, you know, once you reach, you know, dev freedom, you don't have any pay. You kind of do go on this little and actually, if I've suggested this to a few people who do it, they're like well, what do we do next, brad? I'm like, just take a break, spend some money, like go have fun for a while. Like you know, have a budget, but you know being be somewhat, but even if you're not completely, it's okay for a little while. But I also say, give yourself a time limit too, because that can go on and on and on if you're not careful. But you know, when you get out of that, you should have fun, you should, you should enjoy that moment for a while. Um, because you've earned it, I think I think it's good, I think is okay, I think it's good for you. Next one impulse buys, guys. According to Shopify, 40% to 80% of all purchases are made on impulse.

Brad:  

50% of all grocery purchases are made on impulse, or it's that old saying that we always have of well it's only a few dollars, or well, you know we worked hard this week, or whatever right, but it's those impulse and those emotional purchases that can really really mess things up.

Kati:  

Right. How do you waste $10,000 in a year? Spend about $28 that you're not like? Oh, it's just $5 here and there, but $28 a day, less than $28 a day you, too, can be a financial wreck and it's not even though the impulse buying.

Amber:  

It's not even just like the oh, I'm in the grocery store and here's this awesome checkout aisle where you're going to grab stuff. It's on your phone, you're in it all the time. The tiktoks, the reels like they're freaking, getting good at selling you stuff when you didn't even know you wanted it.

Kati:  

And you accidentally hit that shop now button because they make it like the whole ad, like the whole. You're like, ah, I didn't mean to touch it. And then, oh, you get our ads now Like, oh, you're missing something, did you? This was in your cart. Are you sure you go back and buy it now? And it's like go, go away, go away. And you can't make it stop.

Brad:  

Yeah, admittedly, I have to say I have. I've fallen for a few of the TikTok ones. I bought a, I bought a pillow out there that that thing was pretty nice. I mean, it wasn't a bad purchase. I bought a belt off of TikTok. I was like, oh, that's cool. Next one, guys, is one that I probably struggle with the most, as it related to paycheck-to-paycheck living, is just ignoring savings altogether. Like I was the worst. I didn't save anything, I saved nothing, never had more than a couple hundred dollars in a savings account at any time, probably all the way until I was like 31 years old. But yeah, ignoring savings altogether, whether it be, you know, saving up for purchases, saving up for, you know, having a small savings account of some sort, or even just, you know, the thought of even investing, is like what's that? Right, I just never even thought about any of that stuff. It was always just living for the moment or that day.

Ryan:  

For Gen Xers. I don't have it for millennials, but for Gen Xers. The median 401k account balance right now is only $54,000 a year, and for Gen Xers I mean we're talking the youngest Gen Xers probably have 20-ish years to retirement and the oldest Gen Xers are probably getting closer to that tenure. We were terrible at it too, and when we got out of debt, I mean we just started throwing money in it because it was like you know it, it just all of a sudden hit. You know, when you're younger, you just don't think about it. Right, yeah, 50s, old, 60. That dude's like ancient history.

Brad:  

And then all of a sudden you blink and you're like, oh my gosh, like we're gonna be have to retire in like 15, 20 years. That's the part that sucks, like you mentioned. You know, when you're younger you always feel like, well, I got plenty of time for that. But the reality is, when it comes to the magic of like compound interest and long-term investing, it's the early years that you really need to do it, and that's the part that sucks. That's the part I regret the most, cause now that I know what I know and I know the math behind it, it's like man, I wish I would have just focused on that a little bit more and how much further ahead financially you could be. But, as you know, you're young, right? Like you pointed out, it's like you just I, you give yourself.

Amber:  

Think about it though, like when you were then and back then and you had debt and you were living paycheck to paycheck. It didn't even seem feasible to save. Right, right. So if you can even pull aside like $20, $50 a month just to get started when you're in your 20s, oh my gosh, that'll make a huge difference.

Brad:  

Yeah, the next two kind of go together. It's relying on credit cards and debt products, but also living beyond your means. But I think I mean I fit into this, no question relying on credit cards, especially for, you know, unexpected expenses. I mean, heck, we're sold this idea by the financial industry. You know credit cards are for emergencies, your home equity, you know line of credit that's for emergencies, when things go wrong, you use debt. It's just like you're constantly fed this message and you just begin to believe that that's just the way it is. But then you flip it and you also are living beyond your means by using the debt. It's like we just talked about Keep up with your family, your friends, your neighbors, things like that. Well, the reason why a lot of people or the only way a lot of people are able to do that is by, you know, debt products and swiping credit cards and things like that detrimental it's easy to live beyond your means.

Kati:  

when you have all those subscriptions, all the streaming services, all the food deliveries, all the clothing boxes that come to your door. It's just like, oh, it's just a little bit, it's just a little bit. And then you add a little bit, and then you add it up. And that was my gut punch moment was when I did the first like, oh, how much am I bringing in, how much am I spending? And it was anywhere from $500 to $800 a month above and beyond what I was taking in. And it's like, okay, I'm the problem, it's me. Hello, yes, I need to. I need to make some changes.

Ryan:  

Yeah, and I think too, the relying on the credits, credit cards and debt products. I mean it kind of goes back to the last one too. It's like I ignored savings so it forced me to rely on credit cards Like I never, you know it's. It's why we kind of it's why we teach people about saving for having an emergency fund and really kind of training yourself to save money so that way, when something happens, you have the money rather than oh, I need new tires, yeah, oh, I gotta put them on a credit card. Oh, the toilet broke or I have a plumbing issue, I gotta put on a credit card, whereas that's in and also the living beyond your means.

Ryan:  

I mean, this is how we've been trained, though. Right, this is how the credit industry has trained us. So, to a lot of us and to me and I remember, when we've talked about this before on the podcast my mom walking around the house saying you'll always have a credit card. Yeah, we've talked about how kids toys are set up I mean, we're just trained this way from the time we were kids until the time we're adults that credit, having credit using credit cards, this is just the way you live. Don't wait. Now, put it on credit and make payments for it. You don't have to wait for anything anymore. And so I think you have to really train yourself to get out of that mindset and just realize that you've just you've been trained to be the good little consumer that you are. That's, that's how we've been trained. You know it's okay.

Amber:  

I mean, I know it is, we are it's it's.

Ryan:  

I, you know, I think a lot of people don't want to act like they're. You would never pull the wool over my eyes. And meanwhile we're sitting here swiping and just doing all this stuff because we've been brainwashed into thinking this is how you have to live your life. And I'm like what, how am I going to do that?

Kati:  

I've never had a comma in my savings account ever, so it's just like that was a huge victory, that was a huge win. And then, of course, immediately have an emergency and wipe it all out, and then it's like but I didn't put it on a credit card.

Brad:  

This next one, guys. I never you know, I never even would have considered this, but it's often overlooked. It's just neglecting to track your actual spending and I think a lot of people overlook this. In fact, what's why? One of the reasons why we one of the first things we tell people to do it's like go back and track the last three to six months. And if you want to be that overachiever, go back and track the last 12 months. Go back and look and see where your spending's been going, especially if you're one of these individuals who feels like you can't save, you can't get out of debt, you can't make progress. This is eye-opening and again, I get that. There are some situations where people are doing this and they getting you back on track. But also number two is keeping you motivated long term, especially as you start making progress. So tracking is huge.

Amber:  

This was definitely us. We were not tracking our spending and now I track every single dollar. But when we started tracking our spending and we went back three to six months, but when we started tracking our spending and we went back three to six months, holy cow, was that like eye-opening, Like the amount of money we were spending on eating out the amount of money we were spending on certain things. We basically gave ourselves a pay raise when we did this. Yeah, Because we were able to cut things out that we were spending crazy on that we never really needed to.

Amber:  

Right and it was just wild to see the difference of doing this. So if anything, try this.

Brad:  

Yeah, well, and again, too, I want to be clear too.

Brad:  

The point of tracking is also and that's good that you guys did cut things out but I think it allows you to be more intentional with what you do cut out and what you keep, Because, again, there's this idea that if you want to get out of debt and improve your finances, that if you want to get out of debt and improve your finances, you have to cut out everything, and in some situations, depending on your situation, you might have to cut out a lot, but for a lot of people that we work with, they don't have to cut out everything, and I think, by tracking, though, it allows you to actually see okay, these are the things that are really important to me, these are the things I want to keep, but these things aren't-term and long-term goals.

Brad:  

They actually lack that long-term purpose of why they need to what would you say?

Brad:  

Behave when it comes to managing their finances right, their finances right, because I think, for a lot of people who are living paycheck to paycheck, they probably have given up on you know what I mean, even the younger generation right now housing prices the way that they are. You know, people have given up like well, it's never going to be a possibility to me, so why even bother having some of those short-term and long-term goals? But by having a lack of those, you set yourself up to be emotionally ambushed on a regular basis by these marketing messages and by what society is doing with their money, and you get brought into spending on things that really, at the end of the day, you probably wouldn't spend on anyways, but you, because you lack those short-term and long-term goals. It's that emotion that's really driving a lot of the decisions and with by establishing these goals that you believe in it, it allows you to focus, it forces you to focus on like no, I'm going to say no to those things, because these are the things that I really want to overhear.

Ryan:  

This was where we'd really got very clear on kind of our big why. You know, what are we trying to accomplish? What is our really big goal? What's the purpose of really taking control of our finances and getting very clear. Like, our goals in the past were like I want to retire one day and I was like, well, great, but then, like tomorrow, it's like easy to be like man.

Ryan:  

I'm going to buy that thing, I still retire one day. I mean, I said I want to retire one day, I'll still do that one day. But when you start getting very clear like I want to retire at this age with this much money, then it becomes easier to start saying this thing I want to buy. How does that impact what I'm trying to accomplish? Maybe it's I don't want to work in this job anymore. Maybe it's, you know, I don't want my spouse to have to work. You know, it could be some very big things that you can make a very clear connection that if we spend this money to go on vacation or we spend this much money on this new car, it's going to impact our timeline to achieve this big thing we want to achieve. And so I think, when we talk about goals, I think getting very clear and specific with what you're trying to accomplish is a huge game changer.

Brad:  

Well, when you set these things up, it almost sets up like what I like to kind of picture in my mind is like almost like a filter you know you're putting into your life of. You know, do these purchases fit within this filter? And if they don't, it is like you said, it's an easy no. It becomes a lot easier to reject a lot of those things that you don't need to meet those goals because of that filter.

Brad:  

Last one, guys, is you don't prioritize or have a good debt payoff plan. So you accumulate the debt but you don't really have a good plan of how you're going to pay it off. Now we are all really good at selling ourselves on this idea that we're going to pay that off, right. I mean you look at those 90 days, same as cash, one year free financing. I mean I can't tell you how many times I sold and signed up for some of those things. It was like, yeah, I'm going to really pay those things off and all of a sudden I'm getting hit with the accrued interest on it because I never had a serious plan of ever paying it off. So it's one thing to like tell yourself that, but it's another to actually do it. So a lack of that debt payoff plan is not going to be good.

Kati:  

As I was cleaning things out recently I found like a planner or something that had like my new year's resolutions in 2014. And it just said debt free. And I'm like knowing what my number was back then did I think I was going to do that that year Like one solid year. And here I am, 10 years later and six years into this journey, and it's like I still got some to go, but I mean, it's definitely a smaller number than it used to be by tens of over 100,000, almost 200,000 at this point.

Brad:  

All right, guys, if you want to improve these habits and you want to pay off more debt, say you want to save more money. Let's say you want to take control of your finances once for all and actually start seeing some amazing results in just as little as 30 to 60 days. All you got to do is head over to debtfreedeadcom, click on the green button at the top of the page and we're going to show you how you can get started today your money. Let's talk about all the good things, all the bad things that may be. Let's talk about debt.

Ryan:  

Let's talk about debt Tune into Debt. Free Debt Tune into Debt.

Amber:  

Free Debt, and that's how we it's time for the celebrations of the show. First we have Nikki. We paid off our first debt.

Brad:  

Yeah, nikki, way to go, Congratulations. Always feels good to get that first one done, so motivating. Awesome job, linda. I paid off my pickup truck. Today she says woohoo, yeah, woohoo is right, that first or that paid off car. Nothing drives better than a paid off car. No more stress, love it, great job.

Kati:  

Nothing drives better than a paid off car. No more stress. Love it, it's a great job. I cannot wait to pay mine off, yvonne. Since starting roots on May 1st so about three months ago I have paid off or negotiated down $10,236.32. Still a ways to go, but slow and steady wins the race. I can attest to that Way to go, yvonne.

Brad:  

Yeah, that is some amazing progress. And what is that? That's May, june, july, that's three and a half months. Yvonne, that is awesome, great win.

Ryan:  

And Sarah, I was able to budget in an extra payment towards my medical debt.

Brad:  

Yeah, there you go, Sarah. Congratulations, hey, as always, guys, congratulations to all of you guys who are taking a stand for your financial lives and are wanting better. Hey, we get that getting out of debt isn't easy, but with our help and with your hard work and consistency and discipline, we promise you guys that this will be some of the best work that you guys do in your entire life. Thanks for joining us on today's show and we'll see you guys on next week's episode. Take care.

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