When I was in college, Dave Ramsey’s voice echoed in my head every time I stood at the checkout line. His words, “You must gain control over your money, or the lack of it will forever control you” were often enough to stop me from buying things I didn’t need, like another pair of shoes.
Instead, I ate rice and beans, lived frugally and focused on one goal: Becoming debt-free. For someone just starting, his strict plan gave me the structure I needed at the time.
