This man has changed my life and millions of others. It's no magic pilll or get rich quick scheme, just hard work.
Real Debt Help - Get out of debt with Dave Ramsey's Total Money Makeover Plan. Seriously, I use to have $23,000 in debt. Once I learned to quit borrowing money my life got a lot less stressful. The only debt I currently have is a 15 year mortgage on my house. With no other payments I can actually pay cash for almost anything I want. If I were to lose my job today I would be fine for the next year, which I couldn't have said 2 years ago.
Yes, life is short, but you only have to sacrifice for a year or so to get out of debt. Once you get out of debt, you can live your whole life doing what you want to do, not what your finances dictate. The American way is to borrow, borrow and borrow some more. I changed my outlook on money, and it has changed my life forever. Good luck in whatever you decide to do.