"So somebody has talent? So what? Dime a dozen. And we're overpopulated. Actually we have more food than we have people and more art. We've gotten to the point of burning food. When will we begin to burn our art?"

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Goals work. Pick one debt, and then put every dime into paying down that one debt. Once that debt is paid off, start paying down the next debt. Pretty soon it's time to move from paying debt to building savings.

— Elizabeth Warren