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Thanks for writing this, Bethel. It's an excellent analysis of varying approaches to basic tools and, more importantly, ways of thinking about living, wanting, needing, spending. I find I do - and regarding a home loan - once did a number of these practices, both Ramsey's and yours. I found your comments on the psychology of spending, the process toward discovering what you need, to complement many thoughts I had about the same things in the past few years as I saved money to start a house reno in the Azores. I'm glad I subscribed.

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Thank you so much, Bobby! It’s reassuring to hear this is landing for people who aren’t dealing with student loans specifically.

Thank you for subscribing and I hope the renos went well!

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