Most people pay everybody else first, right? We pay our rent first, we pay our cars next, we pay for our groceries, we do all of these things without going, okay, how am I going to get ahead?

Today we're going to tackle advice from some of the top financial experts out there,

specifically around getting out of debt. You're going to see whether I agree with them or disagree,

and hopefully you're going to take away some practical tips for yourself.

Even if you're not struggling with debt today, let's make sure that you become wealthier

and that you're constantly adding to your net worth.

So number one, you know I'm going to talk about Dave Ramsey.

He says use the snowball method.

So he says that listing your debts from smallest to largest and paying them off in that order.

This strategy known as the debt snowball method allows you to gain momentum as you knock out each debt one by one.

Okay, I actually like the snowball method because I believe when you're making money moves you need momentum.

Money like speed, money likes momentum.

And so if you could go and knock out

you know a thousand dollar credit card that you have and knock out a $1,000 credit card

that you have and you feel a little wind beneath your cell.

You're feeling a little bit more confident

about your wealth growing game. You're more likely to move on to the second, you know, area

of debt that you need to tackle. So I actually, you know, I'm going to say good

job Dave Ramsey on coming out with the snowball

method I like it. Next one we got sues oorman. Sue says negotiate lower interest rates. She encourages people to call their

credit card companies to negotiate lower rates and this helps you get significant savings and help you pay off your debt

faster. I have to agree with Sue's here too. I don't even know if that's how you say

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