@daveramsey: The math is easy: spend less than you make, save money, pay off your debt, and tell every dollar where to go. But, if it’s so simple, why are so many people still broke? Because the problem isn’t the math. It’s the person in the mirror. The 7 Baby Steps work because they help you change your behavior. You get quick wins, you build momentum, and you stop letting your feelings run your bank account. That’s how you win with money... not by knowing more, but by changing your behavior.