To­mor­row al­ways comes

The Denver Post - - BUSINESS -

Roth was just sick of jug­gling bills — which in­cluded $35,000 in credit card bills and per­sonal loans.

In 2004, Roth earned $50,000 as a sales­man and com­puter con­sul­tant in Port­land, Ore. His fi­nan­cial scram­ble got worse af­ter he and his then-wife, Kris, bought a home.

“On pa­per, we could af­ford it,” said Roth, 47. “But once we moved in, I was over­whelmed by the new higher pay­ments and by all of the re­pairs nec­es­sary for a 100-yearold farm­house.”

He crafted a three-year plan to pay off the debt — and stuck to it.

“I used be one of those who said, ‘Well, it doesn’t mat­ter if I save be­cause I could get hit by a bus on my way home from work,'” said Roth, who founded the per­sonal fi­nance site Get Rich Slowly and now runs a site called Money Boss. “That’s silly. I was sim­ply mak­ing things harder for my­self in the long term be­cause I was so fo­cused on im­me­di­ate grat­i­fi­ca­tion.”

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