i'm just sayin....his advice is very good for those that need a little kick in the ass

i was one of them :wavey:

a few years ago, i too condidered filing bankruptcy, but after listening to his shows, i realized there were people out there faaaar worse off than me, so i buckled down, made some hard financial choices & now i have one credit card that has about 10k on it & i'm hammering it as much as possible

yes, i'd like a newer car, but i have come to realize that i don't need a newer car....until i am debt-free & have the $$$ saved up to pay for it w/ one payment & not 60