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I don't know if I could do it.  I haven't delved into it (although I have ditched 23K in debt in 2.5 yrs.)  I was tired of payments.  I think it takes commitment of both parties in a marriage, and we keep our money completely separate.   I couldn't let her have what I make on the side, so we take our paychecks and split the bills.   My side money in the shop is my money for play.  

My friends that have done the Ramsey thing have come out the other side with cash money vehicles and no other debt but houses. 

I don't like the idea of no credit score.   I worked hard as fawk for mine.   All the assets in the world don't give you a score.  you have to maintain some debt. 

If any of this seems rambly or not connected to the thread it could be due to the fact I'm drunk, it's midnight, and a show is on tv with boobs.  Perfect storm of Kelly


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