@daveramsey: Brian Buffini and I talked about why so many people are chasing "easy money" instead of building wealth the proven way.   Sports betting. Crypto. Get-rich-quick schemes. They all promise one big win, and it's always just around the corner.   The 7 Baby Steps are the exact opposite. They're a proven plan built on consistency, not luck. You don't build wealth by hitting a jackpot. You build it by paying off debt, saving, investing, and making wise decisions over and over again.   That's not flashy. But it is the proven plan that millions of people have used to change their family tree.   If you've lost hope that the slow path works, don't chase a shortcut. Start with Baby Step 1 and keep going.