📈 Are you on track with the Baby Steps? Get a free personalized plan. Consolidation is great when organizing a drawer of tangled wires, but not so much with debt. In this episode, get the deets on debt consolidation, plus the key to avoid it completely. Next Steps: 🎥 Watch my video Best Way to Pay Off Debt Fast (That Actually Works). 🎥 Watch my video How I Bought a House With No Credit Score. 💵 Start your free budget today. Download the EveryDollar app! Connect With Our Sponsors: 🔒 Get 20% off when you join DeleteMe. 💸 Learn more about opening a high-yield savings account with Laurel Road. 📱 Get $5 off Tello's Unlimited Plan and enjoy great nationwide coverage for only $20 at Tello. Explore More From Ramsey Network: 🎙️ The Ramsey Show   🍸 Smart Money Happy Hour 💸 The Ramsey Show Highlights 🧠 The Dr. John Delony Show 💡 The Rachel Cruze Show 🪑 Front Row Seat with Ken Coleman 📈 EntreLeadership  Ramsey Solutions Privacy Policy Learn more about your ad choices. Visit megaphone.fm/adchoices