No more Dave Ramsey! My 2022 Debt Payoff Strategy || Saving and paying off debt at the same time
It's a new year and time for a new debt payoff strategy. I'm not using Dave Ramsey's method of putting everything extra towards debt anymore.
Mentally, I feel much more financially stable if I have money in savings as well as making progress in my debt recovery. Otherwise, I feel like I am at the mercy of my job and I wouldn't be able to continue to make minimum payments if I lost my job.
Timestamps:
0:00 Intro and 2021 debt recap
1:09 Debt payoff strategies I've tried
2:20 Building my emergency fund
3:45 New 2022 budget strategy
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