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I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I realized also that if I could learn to manage the character I shaved with every morning, I would win with money.

Dave Ramsey (2013). “The Total Money Makeover: Classic Edition: A Proven Plan for Financial Fitness”, p.3, Thomas Nelson Inc
I came to realize that my money problems, worries, and shortages largely began and ended with the person in my mirror. I realized also that if I could learn to manage the character I shaved with every morning, I would