How To Pay Off Student Loans?

[@debtfreerv6611]

Last week I paid the past of my $50,000!!! We've been living in an RV for the past 3 years to do it (no rent, all money poured into the debt)- and it freaking worked and it feels AWESOME. Debt = Never. Again.

[@lovealwaysjasmine]

Debt Free RV this is awesome! How’s rv life?

[@no-yj2cf]

username checks out

[@fanoftoast]

CONGRATS!!!

[@spottedhorse7]

Cool

[@nataliahernandez4779]

Debt Free RV how did you pay your loan.? I want to pay only 11,000 from my loan and I am free!!

[@DIAMONDGIRL57]

Close to paying off student loans. Gone from 100K to 25K. Eighteen more months!

[@truegrizzlesfan2292]

Congrats!!

[@josephdurgam8578]

Awesome, what was your major in?

[@XclusiveChiq]

How long did it take you & how much money do you make a year?

[@user-xp5be5cf1z]

How?

[@WhiskeyandSmoke]

How?

[@246catdiva]

Paid off 86 k in 2 years. Lived at home and had 25 bucks in my account when I got done, it felt amazing.

[@333pinkelephant333]

if you don't mind me asking, what's your income? I'm about to be buried in student loan soon. People will probably tell me I'm stupid but I'm hoping to prove them wrong. Also congrats :)

[@amandawithlov3908]

Does it really? I'm so scared to do what you did.

[@derekross6649]

Today, I just paid off the final 30k+ of my student loans (9 years of payments). No assistance just hard work and dedication. The shackles are released!!! Dave gave me that final push to just pay it all off!!! 😭😭😀😀

[@4mydearlady]

My student loan debt is paid off. For part of my education, I went to a junior college and I worked part time while I took my classes. Some people made fun of me or looked down on me for not starting out at a four-year college. I wonder how many of those people have student loan debt now.

[@soccerchick9841]

That's the way to go. Pay off as much as possible, while in school. Going to a junior college has helped me so much. I remember after high school everyone is like ''I'm going to university'', and then I would be like ''I'm going to community college'' and everyone made fun of me. A lot of those people ended up transferring to community college, or I bet are in a lot of debt

[@art_thoromeo504]

I did the same, I put myself through community college, lived at home and worked. I was blessed enough to have my parents help me when I went to a four year university. I received my bachelors debt free because I lived at home and went to community college. It blows my mind that kids will pay so much money for freshman English or some of the other gen eds.

[@veronikarodriguez1555]

I went to community college for my associates of nursing. My neighbor went to a big name 4yr college for bachelor's of nursing. I got 18k in debt, she has 65k+.

[@FlyByFrancis]

You definitely made the right move. I made that mistake and now I'm paying for it literally.

[@Joseph-hm9yo]

I teach part time at a JC and part time at a 4 year and can tell you students that went to JC's are so much better students. Their base classes at the JC were smaller so they have a better foundation to build upon. Their is a financial benefit, as you figured out, but there are more benefits than just that. Congrats on your degree!! :)

[@desertrat5543]

I just saw a comment about how they couldn't afford much, and so buying the book was too much for them. I bought my Total Money Makeover book at a Goodwill for $3! As soon as I'm finished with the baby steps, I'll be handing it to someone else in need of advice.

[@buttrpecan9]

lambchop has this book helped you? I'm currently paying my 10k student loans. I only pay 145.21 a month but at the set amount, this will take forever. I will be happy to get this book for $3!

[@desertrat5543]

buttrpecan9 It helped condense all of the material that Dave Ramsey talks about in his podcasts. And there's a lot of inspirational testimonies. I'd say yes! I was very poor at the time, so Goodwill purchase was the only thing that made sense then. lol I looked around for it so that I didn't have to pay $20. 😂 I have my emergency savings and paid for my car with cash when my old one broke down. One of my prouder moments! I definitely encourage getting the book. That $20 (or $3 haha) saves you the interest you've wasted by not kicking student loans out of the way sooner. :)

[@desertrat5543]

buttrpecan9 and lucky you! I wish I only owed 10k on student loans! 😂my dumb butt is 40k deep for a degree that would never get me a job lol

[@MrTmenzo]

lambchop what field of study? I currently owe about 22k and have 6 years to go to pay it off :(

[@smithhaydens2160]

HELLO GUYS! Stay Woke and make money easily by contacting WEBZEUS the professional hacking God! Prolly The best and reliable hacker ever. Get over your loans and debts now,, All you need is a Good Bank account or Credit card! Reach webzeus1800@gmail,.com or text 470-231-5053! Happy New Year.

[@shannonjohnson4314]

I'm in a situation where I want to go to graduate school but not add on to my debt. I definitely need to read this mans book.

[@fpl_bailey]

here is the problem, you "want" to go to grad school but you don't need to so why dig yourself into a debt hole

[@Lemons19902010]

I learned the same thing. I have BA and wanted to get my Master's. I recently found a great full time job and decided that I didn't need to continue with my grad degree, so I withdrew and am now focusing on paying down my debt from undergrad. My suggestion: Only go to grad school if your employer will pay for it, or if you're promised a significant raise if you get a graduate degree (and get that in writing!). Other than that, grad school is NOT a necessity, much like college really.

[@katrinalang5462]

Shannon Johnson apply to be a graduate assistant. It's competitive but if you can get the job in many cases the school will pay you a small stipend and cover your tuition

[@yayabrazie]

Don't be that professional student

[@susand3035]

Agree!

[@rezo147]

I tell you how you pay for your student loans everytime you are thinking about getting that combo from BK or MCD.. don't and if you are still determined to eat outside the house than just get two things from the dollar menu and the rest of the amount that would have been spent on the combo put it towards the student loan so if that big mac combo costs 5.49 then buy the two items from the one dollar menu and then you have 3.49 to apply to that student loan if you usually eat out 4 to 5 times a month that can be a between 14 to 17.50 a month savings that could also be applied on top of your normal payment to your loans.

[@buttrpecan9]

rezo147 good idea. I like the way you're thinking.

[@LGnLA]

Good idea!!!

[@JaneDoe-c]

Their yearly income is $115,000! They could pay his $30 student loan off in a single year and still be doing quite well with $85,000 left. They're probably spending a lot of money on material things and paying off the debt is taking a back seat. They could even pay it in 2 or 3 years and have significant income left. These people's situation isn't that bad considering they're making great money. They're just probably blowing it.

[@Ashley-jv8vj]

Right. Because he makes 70,000 a year.

[@KJ5100-q2s]

I didn't catch where they're from. I'm in the DC area and that's not a ton of money given the cost of living, so they aren't necessarily blowing it depending on where they are. 100k is well below the median income in most of suburban DC. The cost of living in San Fran, NYC, DC for example can't be compared to Bismarck, Toledo, or Kansas City. The adequacy of income can't be measured abstractly. I'm feeling the pain right now and am trying to get the heck out and go to Idaho where my making 70k there would give me the equivalent of a 160k life here.

[@kbunnei]

the caller is in ST. Louis , $115k is pretty good for that area

[@KJ5100-q2s]

Yes, I see that. You're right...

[@imavileone7360]

Yeah I don't see a problem here.

[@TheRamseyShow]

Thanks for watching everyone! Click that subscribe button to stay up to date with our latest top content. kzbin.info

[@fragaming3721]

Gᴇᴛ Pᴀʏᴅᴀʏ Lᴏᴀɴs Fᴀsᴛ ᴀᴛ: twitter.com/fb2aa39aaffa15fd5/status/822777246943326208 How Too PPPPayy OOff Studeeent Loooans

[@cynquettadean7114]

I Paid off $40k for Christmas 2019! I’m 25 ☺️

[@freemonique]

Paid off an old student loan $70,000 and settled it for $3,000! So glad...down to under $10,000 in other basic debt 😄🎉😂. Been listening to Dave the past few weeks and got the encouragement I needed. Thank you!

[@ashleis4070]

Free Monique how did you settle it for so low

[@cyrellroberson9698]

Your wife should not be paying for her PhD! PhD programs pay students a stipend + tuition.

[@teeduck]

Cyrell Roberson not at UCLA

[@goodfoods7450]

I'm planning to start paying student loans after graduated. I don't plan to buy a brand new car or even a car unless if I have too. Paying off debt is my first priority.

[@saraedwards6153]

3 1 7 9 4 3 3 3 8 4 Helped me

[@Jack_all]

I just can't believe how much student debt people have!?

[@willcarroll9762]

In their defense they both went through higher education

[@SisyphusJP]

Will Carroll I agree not bad for a masters degree and a PhD. To be honest

[@JuanGarcia-ru9on]

How does this justify it? It’s still so much debt!

[@stephenjansen9475]

Just becauseyou get a higher degree doesn't mean you will be paid what you or worth or even work in your field. I have a masters degree in public administration. I am working in the nonprofit field but for only $30k when I should be making 60k to 90k. It is a different economy. Dave's idea of upward mobility is just absurd. You have former lawyers trying to make minimum wage

[@phajej1993]

Stephen Jansen dude you work for a non-profit. Does that not say anything??? Non-Profit bud.

[@Mrmidtown1]

You got a degree in a field that should be 'do-gooders' who ran for office or volunteered for such. These new age poly-sci degrees without the promise of a job are irrelevant in the job market still. The market isn't wrong - the market just tells people your value based off what people are willing to spend.

[@sandrahardy9891]

Aww.. I agree however there is more money you can make. You need to apply for a county or state job to bring in more income.

[@beckydmc]

You're choosing to work for $30K, why?

[@TheToadChild]

Once this is all cleared up you will both be highly educated and paid. Congrats.

[@MoniSmiles]

I have 1.5 years left of graduate school (currently 53k debt, soon to be another 53k possibly more of debt)! Advice is always 'stop borrowing!" Im in a very diffficult program (DPT) and still work at least 3 nights a week during school which is really burning me out and affecting my happiness/anxiety/health over all but I feel like its the only way to do so. Still the income I make serving is not much and I feel overwhelmed about the amount of debt I will have. I've called my loan providers for help but they are SO unhelpful (when I ask which loan I should pay off first, they say 'its up to you''. HORRIBLE!) I dont know how to make more money and keep this from being destroying me :(

[@joshnguyen4838]

I recommend Jameskosta2 on IG. He will help you

[@Azzy09]

Dave Ramsey's face at 0:55 seconds was hilarious.

[@daniiiakasha1436]

Lol Dave didn’t hear the word “cyber” and thought he had a masters in rent a cop

[@HayleyJanzen]

I have been waiting for this video...even though I have no student loans... Yet!? Hahaha! Do you have any book recommendations for a 19 year old looking to save up enough money for school on her own? I have been blessed with a job that is VERY flexible and I work around 35 hours a week while going to school/spending time studying for 20 hours. The rest of my time is spent volunteering in my church in the media field. I need advice on a balanced life! The only me time I feel I have is going to the gym a few times a week and watching your videos!! Hahaha :) Thanks for the great video content! I'm currently reading "How Successful Women Make the Most of Their Time" by Laura Vanderkam, but I need to read a book more about money! I used the apps like Mint to keep track of my budget! Love it!

[@katrinalang5462]

Hayley Charles apply for grants and scholarships. Ask your employer if they offer tuition assistance

[@killamatrix1]

Jr college first

[@xlilxtrukita703]

I am wondering what did you finally do with the school situation? Lol

[@enzootto9412]

My advice don't get into any debt, school, credit cards, cars, you won't build any credit with these things, just debt, unfortunately we live today in a fast paced society that we want everything fast and easy, just be patient and save, wish someone would of told me this.

[@christiansgrandma6812]

Help me understand, why when I pay $50 over the amount $140 of my loan, the balance seems to still rise? What should I do? I've saved $1000, not including my emergency fund. Do I have to increase my payments even more?Please tell me what to do. I'm so sick of this loan.

[@durden2480]

If it’s the last debt on baby step 2 then yes everything you can squeeze out and pay extra

[@rodolfovaldivieso9807]

Dave Ramsey is the best.

[@stephaniecarver6690]

I have student loan debt, would it be wise to pay smallest loan completely or make the smallest payments on the smallest loan?

[@humzahhassan4521]

In college I majored in com sci went to 2 year cc then 4 year in state got some scholarship money graduated with no debt. However I majored in com sci, legit everything I learned in college I could’ve taught myself

[@usmc7740]

I am living under a bridge and starving, but I am paying back my student loans, that's important. Our government steals billions for themselves and they hold people with student loans to the fire. Another wish is to want to pay off your student loans.

[@amieevans4665]

amen to that

[@y35n00b5]

I was hoping he was going to say smallest to largest. I'd like to pay off the highest interest first but those are the biggest amounts. I can payoff one of the smallest one in full though. Baby steps :(

[@debtfreeemily9255]

My question is how to minimize loans - I am in vet school now and trying to do everything possible to get out with the lowest amount of debt possible. Any suggestions?

[@ElearningDigest]

You're a vet? Aren't you using your GI Bill? I got my college paid for with mine.

[@debtfreeemily9255]

Vet[erinarian]

[@ElearningDigest]

That Emily Oops

[@infernomaster2702]

I really need to get a copy of the total money makeover, but I struggle as it is with paying on my loans student and auto, can not really afford it.

[@gambers20001]

Joshua Pritt try finding it at a goodwill

[@Lemons19902010]

See if your local public library has one you can borrow.

[@LGnLA]

Go to your nearest library.

[@eileeneclark9011]

5/31/19....THIS MUST BE A JOKE/HOAX! I BET if you wanted to go out to see a movie---or a night out with friends---or to eat @ a nice restaurant, I BET you would charge it on 1 of your credit cards or come up with the money some way fast! IF YOU CAN'T AFFORT THE BOOK USED---ONLINE---OR @ GOODWILL ---YOU ARE FAR TOO LATE + LAZY + PITIFUL TO EVER GET YOUR DEBTS PAID + TO GET YOUR LIFE IN ORDER! RIDICULOUS COMMENT!

[@Eyerusalem_]

If the interest rate for the student loan is high among the group of loans isn’t better to pay those first or the smallest loan amount, even though it has a smallest interest rate? Can any one answer this for me thank you..

[@michaelpaliden6660]

Have student loans take out another loan pay em off then bankrupt out on the second loan would this then cancel the S.L.

[@fpl_bailey]

that like using a credit card to pay a credit card bill haha

[@shellyslioneyes]

You cannot go bankrupt on student loans.

[@theyankeekiller93]

Jesus Christ do people seriously think like this!?

[@danwd555]

See Brian Waller 's post. Using unsecured loans to pay off the secured federal loans would free you to file for bankruptcy. Shady? Definitely. But for some people, freedom from crushing debt would be worth it.

[@brsugarbabe]

Michael Paliden The problem is finding a large loan to pay it off. Unfortunately, it's not easy finding big personal loans.

[@jaymierudy1928]

Your the first person besides mom and dad that said this. Pay smallest to largest. We are not paying interest on these loans. Get rid of the little ones. Before the loans start charging interest. I still owe 6,500. Then I will be free.

[@cdypelletier]

Should I pay off the highest interest rate loan first or pay off the lower cost loan first?

[@mattt2418]

According to Mr. Ramsey, he advocates paying off the lowest principal loan first. Then with that additional money you pay the next highest loan. The effect will "snowball" and allow you to fully attack the highest principal loan last. This is all regardless of the interest of the individual loans.

[@toyag638]

Good stuff!

[@antoniogriffin7135]

Student Loan Forgiveness?!

[@sethmaule]

Video starts at 3:15.

[@lorettayoung3088]

The best way for a single or married person to get out of debt is to get a sugar daddy or a sugar cougar.

[@indiaxlovee]

yes

[@theperfectimperfectfamily13]

Ugh no

[@derrickg5612]

Why payoff smallest to largest loan first and not highest interest rate first?

[@Hey_Ruthie]

Derrick G that’s what I am starting! One of my loans became over $2,000 higher because I was paying smallest first. Should have done highest interest first.

[@derrickg5612]

Ruthie, I can see the logic in paying off the small loans first and then rolling that payment into the bigger loans, as someone else posted. But I think that only works to an extent. If you have a loan with a 9% rate, then over time you end up paying so much more that it makes sense to pay it off first. There is a psychological element to paying off small loans first. That is, you feel like you're making progress, but for me, saving money in the long run is more of a motivation. I have a handful of individual student loans that total $16,000 right now. They are all close in principal but vary in interest rate. It simply doesn't make sense to allow interest to build up on a high interest rate loan instead of paying it down so the accrued interest is manageable. I just put a 2k payment towards my loans, so I'm getting serious about this. Good luck to you!

[@JordanPike]

Why pay the smallest loans off first before the loans with the highest interest rates? Can someone fill me in here? Thanks!

[@VanillaWahlberg]

The idea behind it isn't focusing on interest rates, but instead on the total amount of each debt. You pay minimums on the larger debts you can't pay off quickly, and then pay all you can afford extra on the smaller debts. When you've paid off the first of the smaller debts and realize it's manageable to overcome your debt, you then put that money and focus onto the next of the debts from smallest to biggest to keep momentum. We just started ours, we have about $7,000 in debt and are working on paying off the smallest credit card now with extra cash. :D Good luck!

[@Realspeech2023]

Hilarious how I can get a car for a lower APR than a college loan.

[@jenniferjames159]

Luxuryhacks 😍😍😍

[@TravelerBrad]

My son has a student loan that’s 10 years old that has my name on it. It was for 5000.00 and now with late fees it’s almost 10,000. I have 6,000 I can pay but that it. Do you think they would take this amount?

[@jasonhalloway343]

Brad Jackson Contact Tony he should help you out . He paid off my car loan with ease and also my credit card too . Text him up on + 1 2 5 1 3 0 4 5 3 3 2

[@proad4516]

2:25 No. Dig up!

[@marcmarc1085]

Prioritize debt by interest rate! Paying off a $10k loan at 2.5% and leaving a $15k loan at 6% does not make financial sense. Psychologically, yes, paying off a loan feels good. But financially, it does not make sense. Good luck!

[@dsquared513]

Anyone who made it past the 6th grade can do the math, and yet the majority of people in America are still in debt up to their eyeballs. Mr Ramsey admits that his program is behavioral, and that that is more important. It's not just about feeling good by paying off a loan, it is about tangible progress and benchmarks. When you have tens or hundreds of thousands of dollars in debt then it can seem insurmountable, but if you knock out something small then it can motivate you and make you realize that progress is possible. Your comment makes it sound as if there is no psychological component to spending and finance, which is just asinine. Psychology is why people pull out of the market on a downturn and lose out on future rebound and gains, it is why people rack up tons of credit card debt because of not having to actually hand the store a stack of your hard earned cash, it is why people buy things that they don't need and can't afford just to try to impress people who don't really care or to try to feel better about their lives. You are talking about the avalanche method, which obviously makes mathematical sense and has its merits, especially for those disciplined enough to follow it. Mr Ramsey espouses the snowball method, which has proven to be successful for his audience. If a person was controlled enough to pay down their highest interest debt even if it takes years and years, then they likely wouldn't have gotten themselves that deeply into frivolous debt and wouldn't need Dave Ramsey's program. All of the companies that want your money have studied the psychology of it. That is why their store is painted a certain color with a specific type of fluorescent lighting, that is why they have sales and rewards programs instead of just offering the lowest price, that is why they offer 0% introductory APR, that is why it is free for the first month and cancel anytime. A lot of people can do the math, but most people can't maintain the correct behaviors necessary in order to control their finances. That is what the baby steps are all about. First you get current if you are behind, and *boom* you've accomplished something. Then you get a $1000 emergency fund, then *bam* you've gotten 2 things done are are on your way. Then you pay off the smallest amount, and suddenly *pow* you've knocked 3 things off of your to do list and begin to realize that you can make progress, that debt doesn't have to be your life in perpetuity. By breaking it down into smaller pieces it helps people build moment and keep from getting discouraged.

[@scottecooke]

Yes that would be mathematically correct. But as Dave likes to say, "if we were doing maths we wouldn't be in this situation". He also says finance is 20% knowledge and 80% behavior. The snowball method is about behavior modification.

[@jbarnum03]

When you guys say "behavioral" all I feel like you're doing is condoning stupidity.

[@IceColdAetius]

Sometimes going small to large does make sense. Not for the psychological boost, but when you pay small to large you can free up cash flow to really attack the larger loans at a later point.

[@humzahhassan4521]

Also unless u have money or get scholarship why do ppl not go to community college I’m sorry if u don’t do two years cc then transfer and then get a job no sympathy

[@RonnieHouseJr]

This is good!

[@bryangomez1384]

entry cyber-security is 50k...not sure what he's talking about.

[@steveloge8119]

So, his advice is.... 1. Don't get into more debt 2. Make more money 3. Pay off your small loans first 4. Get my book ...Financial gurus, ladies and gentlemen.

[@sidneyshacora8987]

I have only 12,000 in debt and I’m struggling. Please someone help me.

[@joshnguyen4838]

I recommend Jameskosta2 on IG He will. Help you

[@missdee212]

She should have found a job with the university she was completing her phd at to get whatever discounts she could?

[@eatingwithsylvia9339]

DAVE I LOVE YOUR VIDEOS I HAVE STUDENT LOANS AS WELL TRYING TO FIGURE OUT HOW TO PAY OFF

[@smithhaydens2160]

HELLO GUYS! Stay Woke and make money easily by contacting WEBZEUS the professional hacking God! Prolly The best and reliable hacker ever. Get over your loans and debts now,, All you need is a Good Bank account or Credit card! Reach webzeus1800@gmail,.com or text 470-231-5053! Happy New Year.

[@eddiejohnhurst1]

Nice

[@dks13827]

Advice for kids?

[@ray-ray4414]

First thing you should do don't spend more money, save a thousand , and oh, buy my book.

[@brunoctavio]

RAY-RAY his book isn’t expensive and it’s literally helped thousands of people...

[@coisadalatinoamerica7196]

You know it cost 350,000-500,000 to go to medschool. If the school you went to was work intensive doing 12-14 hours 5-7 days out of the week, not allowing you time to study for your boards, and missing deadline to apply for residency, you will apply the following year in order to begin a medical residency the year after applying, thus you will be a doctor who cannot do anything in medicine for 2 years after graduation with a half million dollar debt. The next step to think about is, what jobs can I do for the mean while ? The answer is nothing, as an MD you cannot work in anything in medicine, not a nurse, PA, RN, or even an EMT.. so you can decide to go to more schooling after you’ve finish medical school, or work like an undergraduate holding 1 full time job, 1 part time, and an extra part time known as Uber just to barely scratch 30,000 per year, in which half of it will go to you school debt ... life is scary, but it’s the only one you have to live, don’t let fear stop you from living

[@Papeeshka]

I would advise the opposite... take max student loans and protect her degree from any obstacles and save money until she graduates. I would not risk her not being able to finish her degree and having to put more on the credit cards!

[@dks13827]

Don't do itl

[@jillianvelez5697]

Hired MarkOffice team and now everything is turning out right

[@rsrealestate365]

ChangEd

[@patrickgnz3659]

i don't see any relevant advice here.. this guy and wife already have enough income to pay. this guy only wants to keep selling his books 😄

[@PixelPaperDesigns]

Ashley Yates not everyone Kno how 2 manage muny. Then again every1 situation is difrnt. Sum ppl hav family crisis, Illness, n wutnot goin on. U Neva no wuts Gon hapn within the next minute r hour r even second. Sum things r easier 2 do wile uthrs still tend to struggle wit.

[@swiftkarma4436]

plush furr so true

[@jjuniper274]

Higher education....lucky if she makes 50k. And it's capped and at the mercy of the state budget.

[@luxuryhacks.netongoogle9259]

investing with them was worth it

[@kellywatson6351]

@tycoon_hackings on IG helped me .. Thank so much sir

[@luiss.9298]

It amazes me how college educated adults have to call into your talk show asking for advice when in their respective fields of cyber security and higher education should know the answer on how to get out of this hole. Especially the guy in cyber security that knows how to analyze various situations in complex problems. I would personally never hire this guy if he can't self analyze his own situation yet analyze how to get out of it. If he wants to break into the field of cyber security he should start by himself describing a solution to his problem.

[@fuchadancer94]

+Luis S. At least he's asking for help...

[@Michael-ke8on]

+Luis S. What's your problem? If anything, I think he's smart because he's asking for second opinions. That's sometimes a sign of being educated... that you're willing to admit that you don't know everything.

[@thejamesmartin]

+Luis S. You do realize that the most intelligent/wealthy people in history have seeked council and asked for advice from trusted experts, family, and friends, right? Everyone needs a mentor of some kind. And plus, his field of Cyber Security and personal debt is not even close to being related as you're expressing. That's certainly an illogical connection.I would hire him BECAUSE he's not afraid to ask for advice, lol.

[@ashleygilliard8951]

+James Martin thank goodness he is asking for help because some people stay in denial or never ask and stay in a hole. We all need help at times. I hope he and his wife take the advice and run with it!

[@patriciadennis2113]

Everyone can't be an expert in every area. Anyone who thinks that they are is a fool. A smart person sees that they need help and asks for it.

[@jillianvelez5697]

Hired MarkOffice team and now everything is turning out right