Ramsey Everyday Millionaires He Became a Millionaire by 35 Following the Baby Steps—Here’s How
Sep 15, 2025
Discover the inspiring journey of a guest who became a millionaire by 35 through intentional living and disciplined saving. The conversation dives into strategies for financial independence, including savvy investments and aggressive debt repayment. Hear about a couple's teamwork in building wealth and their fun family adventures that reflect their financial freedom. They humorously discuss life upgrades while emphasizing the importance of shared goals, proving that enjoying life and responsible finances can go hand in hand.
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Education Helps, Discipline Wins
- Career progression and higher incomes helped, but the couple emphasized incremental progress and teamwork.
- Formal education included MBAs, yet their wealth came mainly from disciplined behavior, not credentials alone.
Paid Off Student Loans Fast
- Don and his wife graduated in 2011 with heavy student debt and lived on nearly nothing to get started.
- They attacked $60,000 in student loans and paid it off in two years by directing almost all income to debt repayment.
Force Yourself To Live Like You Have No Extra Money
- Focus your household income on eliminating debt by pretending you have no extra money.
- Make large extra payments and celebrate progress to keep momentum and stay motivated.