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00:00 Disclaimer
00:41 1. High interest debt
01:48 2. Low or negative cashflow
02:43 3. A lot of minimum payments
03:53 1. Interest rates are competitive
04:51 2. Big cashflow to start
05:20 3. Few, large debts
06:04 Scott case study
08:03 Jessica case study
08:56 Nicole case study
10:04 Carlos case study
11:55 Mark case study