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Ramsey and his financial philosophy… By the way, it is a very easy to read book with tables, tear outs, charts etc… Most people that I give the advice to read Ramsey, take it like a grain of salt and pay no attention to my advice. So, if that be the Does anyone want me with Ladies want casual sex Hills Minnesota 56138, I would say the most common misnomer about personal finances is the debt snowball approach.

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OP's first 3 questions are moot since getting a divorce. They are more for Hils issues that she should not concern herself with since he was looking for a beard and nothing to do with her.

Only the fourth question is germane to her situation. Her bringing it up makes it a concern since it shows she sees a real threat.