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Man has no mortgage but wants to refinance his HELOC into a 15-year loan. Ramsey hosts say that move won’t fix the real issue

The real issue wasn’t the type of debt — it was how the money was being allocated each month ...
The Royal Gazette

Sick and tired of being broke all the time

Dear Dave, I’ve been listening to your radio show, and as a result I’ve decided I’m tired of living paycheque to paycheque ...