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I first heard of Dave through a friend about 3 years ago. I read the Total Money Makeover Book and my husband and I started our journey towards being debt free. After about 1.5 years we did it, we became debt free paying off about $20,000. It felt good to be debt free except for the house but 6 months later we were right back into our old spending habits, using credit cards and making poor money decisions. [...]

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