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Susy and her husband received inheritances this year, with $115,000 in an Australian bank due to his Australian inheritance, and $350,000 for her. They are self-employed with no retirement savings. They have a $200,000 mortgage, $20,000 in credit card debt, $13,000 IRS repayment plan, and a $4,000 auto loan. Dave Ramsey advises them to stop borrowing money, create a budget, and manage their finances together to avoid repeating past mistakes.
