
Dear Dave,
I’ve been listening to your radio show, and as a result I’ve decided I’m tired of living paycheck-to-paycheck and being broke all the time. I know Baby Step 1 is saving a beginner emergency find of $1,000. But do you recommend getting current on past due bills before starting the Baby Steps?
Edward
Dear Edward,
I love it! When people decide to change their lives, and they talk about it the way you have, I know they’re serious about making something good happen. You’re sick and tired of being sick and tired, and you’re going to get control of your money and your life. Let’s get started!