<p>Getting out of Debt Step 4 - Coming up with a plan to eliminate debt! with Dr. Ray #11</p>

Getting out of Debt Step 5 - Financial independence after paying off debt! with Dr. Ray #12

Want to learn about personal finance, investing, saving, retirement planning, budgeting all the while trying to live your life? This channel will focus on all topics personal finance. I am not a financial planner, I am just a guy interested in money.