DJ Walker

Manufacturing Manager. Husband. Father. Writing about debt, work, money and building a better future.

[DJ Walker @DJWalkergpf]

I thought six figures would bring financial peace.

Instead, I found:

• Debt
• Car payments
• Credit card balances
• Stress

Income and financial peace are not the same thing.

[DJ Walker @DJWalkergpf]

@BrianFeroldi Absolutely!

[DJ Walker @DJWalkergpf]

I remember getting paid and feeling relieved.

Then watching most of it disappear to payments I’d committed to months or years earlier.

That’s when I realized debt wasn’t taking my money.

It was taking my future.

[DJ Walker @DJWalkergpf]

@Mr_Derivatives It’s on sale!

[DJ Walker @DJWalkergpf]

@Joseph_Neston @GuyTalksFinance Absolutely!

[DJ Walker @DJWalkergpf]

@iamcoriarnold Yes!

[DJ Walker @DJWalkergpf]

@perkmaybe Love to see it!

[DJ Walker @DJWalkergpf]

@SucceededMind

[DJ Walker @DJWalkergpf]

@NikhilRajX Living on less than I make.

[DJ Walker @DJWalkergpf]

@DearS_o_n Live like no one else…

[DJ Walker @DJWalkergpf]

@yabaleftonline Learning to budget.

[DJ Walker @DJWalkergpf]

Debt doesn’t just steal your money.

It steals your options.

The job you can’t leave.

The opportunity you can’t take.

The dream you can’t fund.

The peace you can’t buy.

That’s why I wanted out.

[Pie Rsquare 📊 @PieRsqaure]

A caller on Dave Ramsey's show wanted to borrow more to keep cash for renovations. Rachel and George advised putting the $115,000 toward the new house, lowering the mortgage payment, avoiding PMI, and paying for renovations later with cash.

Caller:
We're selling our house and will have about $115,000 in equity. People are telling us not to put 20% down on the next house and instead use the money for renovations.

George Kamel:
Who's telling you this?

Caller:
Our realtor and some banks.

George Kamel:
Of course banks want you to borrow more—they make more money that way.

Rachel Cruze:
If you put more money down, your mortgage payment is lower, giving you more room in your budget.

Caller:
They're saying we can renovate first and lower the payment later.

George Kamel:
Why play all these games? You can avoid PMI entirely by putting the money down now.

George Kamel:
Put the proceeds from your home sale into the next house.

Rachel Cruze:
Then cash-flow the renovations over time.

George Kamel:
The goal is to get out of debt, not create more of it.

Getting out of the debt should be the goal .

[DJ Walker @DJWalkergpf]

@eth_exy Lack of budget*

[DJ Walker @DJWalkergpf]

The hardest financial lesson I’ve learned:

You can be successful at work and irresponsible with money at the same time.

I spent years proving it.

[DJ Walker @DJWalkergpf]

@bgthaplag Make a plan for your money.

[DJ Walker @DJWalkergpf]

@LeadersJunction Absolutely! I had horribly money habits at 25. Fixed it by 32 and now my money is finally starting to work for me.

That six figure salary didn’t mean much with my horrible money habits.

[DJ Walker @DJWalkergpf]

@JR5_Crypto Lack of a budget & debt being “normal”

[DJ Walker @DJWalkergpf]

@sp0ttie I had this exact problem… love to talk about how I fixed it.

[DJ Walker @DJWalkergpf]

@CaryKelly11 While I agree with the premise, the borrower is slave to the lender… but she needs to raise her income.

[DJ Walker @DJWalkergpf]

The day I got a raise, I felt rich.

The day I paid off debt, I felt free.

Those are not the same feeling.