EP19 – Dave Ramsey Baby Step 3, How you throw away $10,000 per year, Big savings by changing cell phone providers, and your questions

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Discuss Dave Ramsey Baby Step 3, How to throw away $10,000 per year through money leakage, How often should you rebalance your 401K, Should I open an IRA with a bank or broker, How to get big savings by changing cell phone providers