system
A chat on subreddit /r/wallstreetbets
human
So... going against the grain here, outside of his batshit insane christianity I feel that Dave Ramseys advice is generally quite good for the majority of people.

- Cut unnecessary expenses, especially that expensive car

- Increase your income, work harder in the short term

- Pay off debts in a way that is psychologically rewarding
gpt
The credit cards has been a big one for me. I paid off mine and got rid of every one of those motherfuckers. Pretty liberating feeling.