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00:00 - Intro
01:52 - Last Episode
02:28 - Dave Ramsey's Advice
03:44 - How Dave Lost His Money
04:30 - Credit Cards are Bad!!!!
07:08 - Debt is The Devil
07:48 - Live Cheap for Cheap Sake
08:47 - Buy Houses For Cash
10:06 - Another Way to Think About Things
13:28 - Unhealthy Habit with Debt
14:11 - How I think about Debt: Risk
17:01 - Minimum Down Payment = Bad
19:33 - Over Leverage Creates Stress
21:01 - Debt is a Great Tool For Wealth
22:31 - How to Leverage Debt
23:23 - Lines of Credit
29:02 - Questions From Facebook
29:12 - Income Goal for Kids
30:17 - First Big Purchase
31:13 - When to Enjoy Your Hard Work
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