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Anthony ONeal was broke and homeless after getting carried away with credit cards in college. When his parents refused to bail him out he found himself living out of his car and bathing in the back seat. Yes, really. He clawed his way out of consumer debt and now works with Dave Ramsey, helping others avoid the debt trap. He has plenty of tips for young adults, from how to live without credit cards to buying a car without going into debt to scrimping in some areas so you can splurge in others. He even learns an important financial hack from Lisa!