Joe Skeldon

“I can always tell which ones are serious and which aren’t. There’s something in their voices that communicates passion and conviction when they’re really excited about getting out of debt. But if they’re just playing around with the idea, if they’re simply curious about it, then their voices are flat. If I don’t hear any passion behind what they’re saying, I know they aren’t ready to cut up the credit cards and dump their debt for good. That’s because getting out of debt isn’t about solving a math problem; it’s about changing your life—and that requires a change of heart.”
― Dave Ramsey, The Legacy Journey: A Radical View of Biblical Wealth and Generosity