Honestly,
for less financial stress and more free time,
it might be worth it... I’m probably the only person Dave Ramsey would just say “Well damn girl, just sit on the train tracks with your envelopes, that’s the only plan that will work.”
Though splitting the cookies might make me think twice-— that and I snore.
ROTFL! Dang that's funny. Don't give my hubby any ideas!
Well, snoring can be endearing... depending on what precedes it, I think ;~)