WARNING these steps work! And will hold you back! Dave Ramsey's baby steps have been followed by tens of thousands of people. but are they the most efficient way to reach financial independence and retire early? As a financial minimalist and someone who left their day job at 24. I feel that if i had followed his advice i would have to have worked for a minimalism of 10 years longer then i did at my day job, so while alot of his advice is good if your goal to is to reach financial independence and early retirement then dont follow these steps.

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