I’ve heard that when you go on the Dave Ramsey plan (or any
kind of plan for that matter), anything that can go wrong, will. In terms of the baby steps, I think a lot of
people experience Murphy’s Law in the first month of baby step two. You get all excited about saving money to put
toward your debt and then all of a sudden, boom! Your water heater breaks, or the transmission
on your car bites the dust. It’s sort of
the universe testing your resolve to get out of debt.
We experienced a bit of that in the beginning of our debt
snowball plan, but for the most part we didn’t have too much bad luck during
baby step 2. And then, a few days after
we mailed our final payoff, I was driving home from work and heard a small crack! sound. In the corner of my windshield was a little
star-shaped chip, no more than a half inch in diameter. It’s ok,
I thought. We can get that repaired. No big deal. And then, a couple minutes later, I heard a
much louder crack! and saw that the star-shaped
chip suddenly spread a foot across into my line of vision.
