Negotiating Creditors Won't Cure Overspending

Dave explains creditors accept less only when payment stops and urges immediate payments instead of negotiating now.

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Episode notes

Dave Ramsey and Rachel Cruze answer your questions and discuss:

"How do we pay off $49,000 of business credit card debt when we are "
"My mom expects me to pay back my Parent PLUS loan, although that was not our original agreement"
"How often should someone balance their investments?"
"Can we tithe less if we volunteer more?"
"Should I downsize my home to a condo with an HOA fee?"
"Should we have separate accounts for our fun money?"
"How can we plan to pay for our kids' college?"

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