For detailed show notes:David Weliver: Money Under 30   David founded Money Under 30 in 2006 as a way to document his efforts to pay off $80,000 of debt, and to provide a free resource to help young adults make financial decisions with confidence. David is a graduate of Bates College and worked previously at SmartMoney Magazine in New York.   Welcome David! [0:54]So tell us something about you we don’t know. Married with 2 kids Lives in Maine   [1:41]How did you get started with Money under 30?  Moved home with parents Needed to fix finances Wanted to help others   [3:32]If you could go back in time and give the 18 year old version of yourself one piece of advice what would it be and why? Don’t spend money you don’t have Glad for mistakes- brought about Money Under 30   [5:52]You have a section on your website about buying cars—something everyone hates. What tips and tricks do you have for buyers? Understand financing costs   [8:15]Do you recommend buying or leasing? How do you make the decision? Most people should buy over lease Buy a used car   [11:21]You had quite a hefty debt bill some time ago, what did you do to get rid of it? $80,000 in debt (student loans & credit cards) Moved home Got a side job at Starbucks   [14:10]How long did this take you? What was the most challenging part? 3 years Reduced life inflation       [15:17]What do you recommend to a person who is trying to raise/ improve their credit rate? Pay on time Keep debt minimum- no large balances Get a co-signer Secured credit card   [20:49]It seems like side hustles are the new big thing- what side hustles do you recommend that are easy to start? Department stores       Value Link Round- [24:18] What books or other podcasts do you recommend to our listeners? Book: The Investment Answer Podcast: Dough Roller   [26:02]What is the best advice someone ever gave you? Put money into an IRA as a teenager   [27:11]What is your favorite word or quote? Do one thing every day that scares you   [27:55]How can we find you? moneyunder30.com   [28:16]What is some parting advice you have for our listeners? You don’t have to be a numbers person to make informed decisions about money.          Support this podcast at — https://app.redcircle.com/shows/11f32da4-3081-471f-bf51-ea341b89ab1d/tip