“Ramsey says avoid all debt. Kiyosaki says use debt to get rich. Who’s right?”

In this episode, Jaspreet shares his personal experience testing out Dave Ramsey’s 7 Baby Steps—what worked, what didn’t, and how to adapt them for your own goals in 2024.

• The key difference between Ramsey and Kiyosaki’s approach to building wealth


• Why a $1,000 emergency fund might not cut it anymore


• Which debts you should actually pay off first—and why


• What Jaspreet did instead of opening a 401(k)


• Alternatives to college funds that build wealth and flexibility for your kids


• When it makes sense to pay off your mortgage early—and when it doesn’t


• How to follow the baby steps without living a boring financial life

Whether you want peace of mind or aggressive wealth-building, this breakdown will help you personalize the path—and avoid blindly following advice that doesn’t fit your vision.

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