For the sake of clarity, let’s define low income once and for all. According to the most commonly used federal guideline, “low income” is defined as “an individual’s annual income of $14,590 or a family’s total annual income of $30,065.” Dave Ramsey has made thousands of people who are living on a very low income (roughly $14,590/year) and who are in debt (roughly $150k/year) out of work, into millionaires. Here’s what’s even crazier about Dave Ramsey’s success stories: he has helped people who are as young as 71 retire, even though they have very little savings.
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