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  • Neil Bever, D.C.

Why You Should Manage Your Debt and Health with Dave Ramsey’s Debt Snowball Method

There are 2 different approaches to managing debt.


The Debt Avalanche Method is where you pay off the loan with the highest interest rate first.


The Debt Snowball Method is where you pay off the loan with the lowest balance first.


Purely based on numbers, the Avalanche Method will save you more money, but Dave Ramsey didn’t become one of the most popular voices speaking and writing about debt without some results. One study from the Harvard Business School found that people who used the Snowball Method paid off more of their debt compared to other methods.


At some point, because of our stupid monkey brains, we have to factor in how different methods make us feel.


The same is true for your health.


In order to make a transformation that will result in supplement companies and personal trainers on instagram stealing your before and after pictures, you need to first start small.


Is it making the change from pop to water?

The average American drinks 45 gallons of pop every year.


Is it trying to get 10,000 steps per day?

The average American only gets 3,000-4,000 per day.


Is it getting adequate sleep?

More than 30% of Americans aren’t getting enough sleep


Is it trying to manage your chronic pain?

20% of Americans suffer from chronic pain


Is it eating enough fruit and vegetables per day?

Only 10% of adults get the recommended 1.5 cups of fruit and 2 cups of vegetables.


Is it exercising for just 30 minutes a day?

Less than 5% of American adults do that


While yes, you can try and make all these changes at once and get unbelievable results in a short amount of time, the goal isn’t to crash and burn.


The effectiveness with the debt snowball method isn’t in the numbers, it’s in the mental state it puts you in. Small goals that you meet consistently which means more endorphin rushes. More endorphins means you want to do that again because at the end of the day we’re all junkies desperate for approval.


With new patients I like to ask out about different aspects that might be limiting their recovery like sleep, nutrition and exercise, but I don’t expect someone to leave after one visit and make all the changes they need to.


Healing takes time…


but you can expedite this process by getting adequate protein, eating your veggies, drinking water, getting enough sleep, exercising with proper form, stretching with proper cues...


but start with something that excites you.


As you feel better, and move better, you will want to continue with the progress and continue to make healthier choices.


Don’t worry about where you’re starting at or where someone else currently is. Just get started.


Call or text 260-225-9444 to set up your appointment and start becoming a healthier version of yourself.;


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260-225-9444

60 West Hill Street Wabash, IN 46992

Your Hometown Chiropractor