Zina Kumok’s parents immigrated to the United States with no money or education, completely unprepared for the consumerist society they found themselves in. They quickly got into credit card debt in order to have the lifestyle they “deserved.”
An avid listener of Dave Ramsey, Zina quickly determined she did not want to ever be in debt. However, she graduated with $24,000 in student loan debt and made it her mission to pay that off as soon as she could. Every single extra dime she found, she threw at her debt until it was all gone.
Once the debt was gone, Zina realized that she needed to ramp up her investing. Not one to just “show up and wing it,” she set about learning how to invest properly.
Zina’s story illustrates that you CAN pay off debt while making a lower salary, you CAN pursue financial independence while self-employed, and your past does not have to define you.
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In This Episode We Cover:
- Zina’s first orientation with money
- Why she started a blog about paying off student loans
- How she learned to budget
- Why the anxiety never goes away
- How people get into debt
- What she learned by buying her first house
- Where she invests right now
- And SO much more!
Links from the Show
- Dave Ramsey’s Podcast
- Behavior Gap (Carl Richards)
- BiggerPockets Money Podcast 35 with Craig Curelop
Books Mentioned in this Show
- The Broke and Beautiful Life by Stefanie O’Connell
- “It’s scary when you look at the numbers.” (Tweet This!)
- “It’s so rare to find people who are doing all the right things with their finances.” (Tweet This!)