Here’s your coffee break reality check: Dave Ramsey just told a 73-year-old caller with only $4K saved to stop spending every penny. Turns out, budgeting isn’t just for your 20s—it’s your ticket to freedom at any age. The big takeaway? If you want to say yes to fun stuff later, you’ve got to say no to impulse buys now. Don’t let your future self live on ramen and regret! #Business #MakeMoney #MoneyLifehacks