 the ramsey show so 209 000 paid off in four years what do you tell people the key to getting out of debt we did a budget for years and we didn't stick to it and that doesn't do anything so you actually have to follow the road map do people think you're weird for doing this stuff yeah right he cut my hair we re-roofed our house on our own dave would sharon uh let you cut her hair no okay well if you mess up it just gets shorter