A lot of people are followers of Dave Ramsey. What does he teach?
Get a month ahead on all of your bills
Pay off your (time) debt.
Sometimes I feel my time is not my own. It seems like I’m always busy, like I always have something to do. In the same way that we have bills to pay, I owe a lot of people a portion of my time due to commitments I have made. Like Run DMC said in It’s Tricky, “When I wake up people take up mostly all of my time.” If we want to be financially free, we must first get out of financial debt. If we want to be a time millionaire, we must first get out of “time debt.” That’s what this book is really about – freeing up as much time that’s currently owed to others as possible. But that’s not all. We also waste time by continuing to focus on the past, so we must learn to leave the past in the past and focus on the present. But that’s not all. We also spend way too much time on everyday tasks, some of the activities of daily living. There are much more efficient ways to do almost anything.