Josiah Poletta and his wife, Courtney, of Van Wert, Ohio, are free of $142,000 in debt — $126,000 of which was student loans — after great struggle and a lot of planning and determination.
for any emergencies that might come up — and a lot of people don't even have that," he said.
The Ramsey Solutions team describes it this way: It's"a debt reduction strategy" in which"you pay off your debts in order of smallest to largest, regardless of interest rate." Step four is all about putting money aside for retirement; step five"is for your kids — doing the same thing, putting money aside for them." Step six, he said,"is pay off your house." And seven, he said,"is you live debt free."
"I donated plasma twice a week," said Poletta, earning approximately $70 to $120 each time out, he said."I also went an entire winter without heat in my car because I wasn't able to afford to fix it."The Poletta family during a recent winter. Dave Ramsey described the couple as "people of integrity who work hard for their family."
Josiah Poletta — who lost his dad when he was young — described how he and his wife would pay off their debt"in chunks." He said their income fluctuated a little bit, so whenever they had extra money at the end of the month,"we would throw it all on the lowest debt," he said, in addition to paying a normal monthly amount.
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