Dave Ramsey is well known for helping people get out of debt. His program has helped thousands, if not millions, of people.

In his process, people are advised to pay off small debts first and work their way up to their larger debts. This process is referred to as the “debt snowball.” Getting early wins by paying off small debts creates momentum and resources to tackle the larger ones.

As our community moves into a new era, we can learn something from this snowball effect. As a community, if we were to tackle some our smaller problems and get them resolved,

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