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Episode Info: Today we're talking with Bobby Hoyt who paid off $40,000 in debt in 18 months. Listen to find out the sacrifices he made, how much he had to work to get this done, and how to do it all on a teachers salary. His 4 financial focuses, which he goes into detail about are: 1. Live below your means until you don’t have to anymore. 2. Don’t finance stuff you don’t need. 3. Let your friends pass you up. 4. Work really hard and then make your money work for you.Read more »

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