I agree with most it is hard to tell people what to do/not to do

The best advice you can give them is to read TMMO… it makes perfect sense on its own, and if they aren’t truly ready or willing to read the book I doubt they’d truly act on any advice from you either!

I hope the fact that they’re asking means theyre almost to the point of fixing their habits!

I can’t imagine taking out a HELOC when you own your home free and clear! Yikes… that will just have them paying more in the longrun.

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