📈 Are you on track with the Baby Steps? Get a free personalized plan.Real talk—most debt payoff methods out there are straight-up garbage. In this episode, I’mbreaking down the 20 worst ways you can pay off debt, so you don’t fall for these sneaky traps. Next Steps:• 📗 Order my new audiobook, Breaking Free From Broke, and get exclusive content and a special offer.• 🎥 Watch my video Best Way to Pay Off Debt Fast (That Actually Works).• 🎥 Watch my video Exposing the Shady Company Preying on Low Income Families.• ✍️ Sign the petition to rename BNA to Dolly Parton International Airport.• 💵 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 PolicyLearn more about your ad choices. Visit megaphone.fm/adchoices