Delayed Gratification Is a Key Ingredient to Building Wealth

3363.953 - 3389.273 Dave Ramsey

It's a balance in there. It's not... It's are you able to, in the next 20 months, you know, pay your lights and water, food, work some extra jobs, and pay your bills? If you are, then pay up. If you're not able to and you're behind and you call them up and you offer them pennies on the dollar as a lump sum, which is what you're talking about, I recommend. But that's only for someone who can't pay.