I was doing the Dave Ramsey thing when no one had heard of him. 1998-99. Ran his show out of a nashville talk station. Our family attorney knew him and gave me his book.

Mid 20s, took every extra biz opportunity I could do in 12-15 hour day, then go work nights killing roaches.
Had a govt county job in pest control, a roofing business, rentals, my own pest control licensed work for the other half of the day.
Set up a couple of my rent-a-drunks and high school boys to run the roofing, I pop in flash a chimney or lay a valley, put on Superman’s cape and go back to my other worky job or another project across town, cut, sold, delivered 25-30 cords of firewood in the winter

Wife was doing dental hygiene for dentist, she sold real estate, helped with bug business, managed rentals for her uncles, ran a Dalmatian dog puppy mill

killin it

paid the house off, paid off some spec lots, everything that had wheels, unsecured debts

Last new vehicle I’ve bought off of a lot was in 1995.