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I agree with Ramsey.
Job #1 is to get out from under the horrific interest rate debt from credit cards. Everything else pales in comparison.
Job #2 is to shred every credit card you have since you plainly can't control your spending habits and have no business with a line of credit that has the potential to bankrupt you and/or make you a slave to uncaring behemoths. Stick with debit plastic.
Job #3 is to stuff every penny you have left into your employer's matching fund.
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