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1️⃣ Berhenti gali lubang baru Dave Ramsey bilang: hutang baru gak pernah menyelamatkan orang dari hutang lama. Sejak aku stop pinjaman, hidup memang sempit sebentar, tapi gak makin tenggelam. 2️⃣ Jujur sama kondisi keuangan Aku duduk, hitung semua hutang tanpa pura-pura kuat. Sakit, tapi dari situ aku tau: ini musuh yang harus aku kalahin, bukan aku hindari. 3️⃣ Fokus beresin satu per satu, bukan panik semua Gak mikir “kapan kaya”, tapi “hari ini bisa nutup yang mana dulu”. Pelan, tapi maju. 4️...
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