Hitting bottom and hitting it hard was the worst thing that ever happened to me and the best thing that ever happened to me.
Interpretation
Experiencing extreme lows can lead to transformative growth and strength.
Dave Ramsey expresses a profound duality in his experience of hitting rock bottom. He acknowledges that while it was the most challenging moment of his life, it also served as a catalyst for personal growth and change, ultimately shaping him into a stronger and more resilient person.
In practice
During a motivational speech, when discussing overcoming challenges.
Debt is so ingrained into our culture that most Americans can't even envision a car without a payment ... a house without a mortgage ... a student without a loan ... and credit without a card. We've been sold debt with such repetition and with such fervor that most folks can't conceive of what it would be like to have NO payments.
The thing I have discovered about working with personal finance is that the good news is that it is not rocket science. Personal finance is about 80 percent behavior. It is only about 20 percent head knowledge.
Debt collectors like to play on your emotions because they think you'll give in and do something you can't really afford to do. Most of them don't care about you or your situation as long as they get some money.
Your priorities, passions, goals, and fears are shown clearly in the flow of your money.
You have to teach children about money intentionally - create teachable moments.
As parents, we teach our kids about things we feel competent in. That's why so many parents don't teach their kids about money.
I'm like thousands of women in South Africa who lost their men to cities and prisons... I stand defiant, tall and strong.
Take sides. Neutrality helps the oppressor, never the victim.
If my revelation of having bipolar II has encouraged one person to seek help, then it is worth it. There is no need to suffer silently and there is no shame in seeking help.
Fire is catching! And if we burn, you burn with us!
My old man says when it's time to be counted, the important thing is to be man enough to stand up.
It often takes more courage to change one's opinion than to stick to it.
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