"Because you attack several areas at once, you don’t finish anything you start for a long time. That makes you feel that you aren’t accomplishing anything, which is very dangerous. If you feel that nothing is getting done, you will soon lose energy for the task of money management altogether."

Dave Ramsey is an American personal finance personality, radio show host, author, and businessman who has written several top personal finance books, including The New York Times bestseller The Total Money Makeover.

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