I reverse-engineered Dave Ramsey's math today for someone making $80,000 per year.

Step 1: Save thousand fiat bucks. Use his famous debt-backed fiat paper cash envelope system or the master-slave electronic cash system with a debit card. Whatever you do, according to Dave, "DO NOT BUY BITCOIN."

Baby Step 2: Set a budget. Pay the minimum payments on all but one bill. Throw an extra $1,000 per month at the debt until you pay off your $100,000 + student loans.

Step 3: Save $20,000 in a fiat savings account that pays $

0.01% in case there's an emergency. By the way, "I don't have enough bitcoin," is not an emergency. Stay humble, stack savings account deposits.

Step 4: Buy a 15 year mortgage with a 20% down payment. $92,441.20. That's only

78,108,323 sats--Not even a whole coin.

Step 5: Buy A Mortgage. Woo hoo! AC breaks. There goes the emergency fund. Stay humble, stack savings deposits again. The interest rates on my mortgage are worse than those fucking student loans. I better door dash my ass off.

Baby Step 6:

Time to buy bitcoin yet? No. Stay humble, stack stonks. Wait, only like 3 of those things were worth more than bitcoin when I started paying my debt off. What the fuck? Seriously? Why did you say I should not buy bitcoin when a whole coin was less than one month's worth of my student loan payments?

Bitcoin is too VoLoTiLe.