Ever wonder how you can go from living the debt-free dream to juggling 13 credit cards? One retired couple did just that after following Dave Ramsey’s advice, only to slip back into $46,000 of debt. The real kicker? They kept borrowing to pay off old debt, thinking it was the answer. The takeaway: swiping for today can mean stress for tomorrow—budgeting beats borrowing every time, especially on a fixed income. #Business #MoneyTalk #DebtFreeJourney