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Brought to you by the EveryDollar app. Start budgeting for free today. There are a few things in my life that I've run into that other than things from the Bible that I am 1000% sure work teaching the seven baby steps that we teach here. The first one, save $1,000. The second one is get out of debt. Everything but the house, using a debt snowball and gazelle intensity, as if you're running from a cheetah. The gazelle runs for its life. That's the intensity you use to get out of debt. You sell so much stuff, the kids think they're next. You don't see the inside of a restaurant unless you're working there. And you're not going on vacation because you're a broke person in debt. And you are ears laid back, running headlong straight into this, getting rid of it, baby. And we're going to leave it all on the field. That's baby step number two. And then you go on to building an emergency fund, retirement plan, kids college, pay off the house and become very wealthy. Those are the seven baby steps, in essence. And you can find those everywhere. And the total money makeover book is where we outline them. We've sold 12 million copies of that. 10 million people have been through Financial Peace University where we teach those baby steps and how to implement them. So tens of millions, literally, of people, and there's tens of millions of you listening at this moment to this podcast on YouTube and on talk radio. So we know that easily 100 million people have done some stage or some process of the baby steps and with varying degrees of success because of varying degrees of commitment and sacrifice, like you do with anything. So it's a proven thing. It's not a theory that comes out of a test tube. The debt snowball is probably what we've become best known for. Now, this is where you list all of your debts except your home, smallest to largest. You pay minimum payments on everything but the little one. You attack the little one with a vengeance. You squeeze every dollar, every drop out of your budget and you throw it at the little one. You work extra. You sell stuff. You clean out a savings account all the way down to $1,000. You stop putting money in your 401k. You get term insurance and cash in your stupid whole life policy. You sell a car if it's too expensive. You do whatever you got to do and you throw every dime at that smallest debt until it's gone. When that one's gone, you take the payment you used to pay There. And every dime you can squeeze out of everything El, you put it on number two. And when number two is gone, the payment from number one and number two are freed up, the snowball rolls over again. It picks up more snow and it attacks the third one. And you're doing this with just increasing levels of hope, increasing levels of sacrifice, increasing levels of passion. And every time the snowball rolls over and you get rid of another payment, that's that much more money freed up in your monthly budget to attack the next one down. And it's been unbelievably successful.