Martin Lewis and Dave Ramsey Are the Most Trusted Money Experts on the Planet - Here Is the One Thing Neither of Them Will Tell You and Why It Is Quietly Costing You a Fortune (Bit Coin, Wealth & Investing)

So let's start with the foundation because Martin Lewis and Dave Ramsey are essentially teaching the same thing from either side of the Atlantic and they're absolutely right about it.

Step one, get out of expensive debt first.

If you've got credit, Credit card debt at 20 or 25% interest.

There's no investment on the planet that reliably beats that.

Paying off a 25% interest credit card is the same as getting a guaranteed 25% return on your money.

Nothing beats a guaranteed return.

So that comes first.

No exceptions.

Martin Lewis says it.

Dave Ramsey says it.

And I say it a lot every single time.

step two build an emergency fund you need three to six months of essential costs sitting in cash easily accessible this is not an investment this is insurance this is the thing that means when your boiler breaks or you lose your job or you crash your car you're not forced to sell an investment at the worst possible moment or go into debt to survive you cannot build long-term wealth with that that foundation underneath you.

They both say that.

Step three, stop losing money to rubbish savings rates.

Martin Lewis has spent years hammering this point.

Millions of people leave their money sitting in current accounts earning next to nothing when they could be in easy access savings accounts giving three or 4%.

That is free money.

Go and get it and at least it helps you knock away a little bit of the inflation that's eating it away.

These are the three things.

It's a clear expensive debt.

Build an emergency fund.

Maximize your savings rates.

These are the foundations.

Do them first.

Do them before you think about Bitcoin.