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Kamala Harris and Donald Trump clashed in their first presidential debate Tuesday in Philadelphia, less than two months before Election Day. Heading into the debate, Harris appeared to have more to gain — and more to lose. Here are five key takeaways from the debate. “I made that very clear on 2020 I will not ban fracking,” Harris said. We don’t even know if he’s the president,” Trump said toward the end of the debate.

Persons: Kamala Harris, Donald Trump, Harris, ”, Trump, “ I’ve, MAGA, ” Harris, Let’s, Joe Biden, Biden, ” Trump, “, fracking, he’s “, there’s, Roe, Wade, Sen, JD Vance, Vance, JD —, Xi Jinping, Hannibal Lecter, Trump bashes Biden, pithy Harris, doesn’t, You’re Organizations: New York Times, Trump, Biden, Democratic, NBC, Press, Congress, Keystone XL Locations: Philadelphia, Siena, America, United States, fracking, Pennsylvania, Ohio

See how we rate personal loans to write unbiased product reviews. One way my husband did that was by consolidating his loans to get out of debt. Back then, I had a decent credit score and about $18,000 in student loans, and he had a poor credit score and about the same amount in consumer debt and car debt. Here's what we did to tackle Marshall's credit score and debt ratio before officially tying the knot in January 2021 and eventually buying a home. It turned out a few inaccuracies were holding back his credit score, and he was able to get them deleted with just a phone call.

Persons: —, Marshall, Rich Dad, Robert T, JL Collins, Dave Ramsey, Chris Hogan, Christopher R, Jarvis, David B, Mandell, Gary John Bishop, we've Organizations: Service, Business, Nationwide

☆ Small business owners could be poised for a 1990s-like boom
▼ + stars: | 2024-09-11 | by ( John Towfighi | ) www.businessinsider.com time to read: +6 min

This has spiked the interest rates small business owners are paying on new mortgages, credit, and loans. Related storiesPowell said that small business owners are poised to benefit regardless of the size of the cut and should remain hopeful about future growth. According to the National Federation of Independent Businesses, small business confidence dipped in August. AdvertisementHe said small businesses tend to be more credit-constrained, so changes in interest rates are particularly influential for business owners' management decisions. Are you a small business owner who has experienced a recent change in sales or hiring?

Persons: —, Phil Powell, it's, Powell, Jerome Powell, Sean Higgins, Higgins Organizations: Service, Federal Reserve, Business, Indiana Business Research Center, Indiana University Kelley School of Business, Federal Open Markets, Treasury Department, National Federation of Independent Businesses, Kellogg School of Management, Northwestern University

☆ My name is hard to spell, so I gave my kids names that are impossible to mess up
▼ + stars: | 2024-09-11 | by ( Bethaney Phillips | ) www.businessinsider.com time to read: +4 min

But on the other hand, I have had to spell my name for people my entire life. "Their name is X, but we spell it Y" is a phrase I have heard infinite times. It informed how I named my own kidsWith my own kids' names, there were strict spelling criteria: they had to be easy to spell and easy to pronounce. AdvertisementWith our rules in mind, we named them Copper and Colt, which are easy to read, say, and spell. But considering we gave them the gift of never having to spell their names to others, it's a small price to pay.

Persons: —, Bethany, it's, Phillips, I'm, I've, I'm weirdly, didn't, She's, Josh, We've Organizations: Service, Business

☆ Delinquent debt is piling up. Here's why it's not a reason to worry about the US consumer, according to BofA CEO Brian Moynihan.
▼ + stars: | 2024-09-11 | by ( Jennifer Sor | ) www.businessinsider.com time to read: +1 min

There's no need to worry about consumers falling behind on debt payments, BofA's Brian Moynihan said. Deliquency rates on credit card and auto loans are normalizing and are close to 2019 levels. Go to newsletter preferences Thanks for signing up! AdvertisementConsumers are falling behind on their credit card and auto loan payments, but that's actually not such a big deal for the economy, according to Bank of America CEO Brian Moynihan. Late payments on consumer credit card loans have ticked slightly higher over the last quarter, with 9.1% of credit card balances and 8% of car loans transitioning into delinquency, according to the New York Fed's latest Household Debt and Credit Survey.

Persons: BofA's Brian Moynihan, —, that's, Brian Moynihan, Moynihan shrugged Organizations: Service, Bank of America, CNBC, Credit Survey, Business Locations: York

☆ 7 top stocks that can thrive whether Donald Trump or Kamala Harris wins this fall
▼ + stars: | 2024-09-11 | by ( James Faris | ) www.businessinsider.com time to read: +4 min

Read previewLast night's contentious debate between Donald Trump and Kamala Harris brought the looming presidential election fully into the mainstream, even for those who've been trying to block it out. However, strategists at Oppenheimer Research believe those who ignore the election — and the implications that electing Trump or Harris may bring — do so at their peril. Advertisement"This playbook is intended to help investors navigate trading dynamics around the elections," Oppenheimer strategists wrote in a September 9 note. "We expect US foreign policy toward China to become more restrictive over the next four years, irrespective of who wins the election," Oppenheimer strategists wrote. AdvertisementBelow are seven stocks with an outperform rating from Oppenheimer analysts and can survive regardless of whether Republicans or Democrats emerge victorious this fall.

Persons: —, Donald Trump, Kamala Harris, who've, Harris, Steve Eisman, Bernstein, Oppenheimer, Biden Organizations: Service, Investors, Business, Oppenheimer Research, Trump, Republicans Locations: China

☆ What you need to know about Kamala Harris' 'opportunity economy'
▼ + stars: | 2024-09-11 | by ( Kwan Wei Kevin Tan | Joshua Nelken-Zitser | ) www.businessinsider.com time to read: +7 min

Read previewVice President Kamala Harris says she has a plan for America's middle class— building an "Opportunity Economy" to help them succeed. "Vice President Harris grew up in a middle class home as the daughter of a working mom. She believes that when the middle class is strong, America is strong," the Harris campaign wrote in a section titled "Build an Opportunity Economy and Lower Costs for Families." But just what exactly is Harris looking to do when she says she's going to build up the middle class through her "Opportunity Economy" agenda? During the debate, Harris accused Trump of only wanting to offer tax breaks to the richest people, while Trump countered by saying Harris lacked a detailed plan.

Persons: —, Kamala Harris, Harris, Donald Trump, she's, Biden, Trump, Alice Tecotzky, Goldman Sachs Organizations: Service, Business, Trump, American, Biden, Pharma, New York Times, Siena College Locations: America, North Carolina

☆ I moved from Dubai to the US as a British expat. It's been tough to adjust to credit scores, groceries, and guns the American way.
▼ + stars: | 2024-09-11 | by ( Claire Turrell | ) www.businessinsider.com time to read: +6 min

Read previewThis as-told-to essay is based on an interview with Karen Osman, a 45-year-old author based in New York City. We knew we'd have more stability if we moved to New York City. Three months later, we were living in New York City. Apartments in New York City are more expensive than in Dubai. New York City is a writer's paradise.

Persons: —, Karen Osman, it'd, we've, I've Organizations: Service, UAE, Business, Facebook, Social, New, American Museum of, Dubai Locations: New York City, Dubai, We'd, Dubai Marina, New York, UAE, London, Central, Europe

☆ Harris bests Trump in debate, but there’s no guarantee it will shape the election
▼ + stars: | 2024-09-11 | by ( Stephen Collinson | ) edition.cnn.com time to read: +17 min

Harris and Trump didn't interact after the debate ended Saul Loeb/AFP/Getty Images Trump speaks during the debate. Chip Somodevilla/Getty Images Trump supporter Pat Tuttle watches the debate from Jonathan's Grille in Nashville, Tennessee. Saul Loeb/AFP/Getty Images Harris averages 49% support across recent polls while Trump stands at 48% in the latest CNN Poll of Polls . Matthew Hatcher/AFP/Getty Images Trump and Harris shake hands at the start of the debate. Harris introduced herself by name and said, “Let’s have a good debate.” Trump responded: “Nice to see you.

Persons: Donald Trump, Kamala Harris, strode, Harris, Trump, Mike Tyson’s, ”, didn’t, Joe Biden, David Muir, Linsey Davis, Michael Le Brecht, Sean Hannity, CNN's Kaitlan Collins, Collins, Chip Somodevilla, Douglas Emhoff, Saul Loeb, Alex Brandon, Pat Tuttle, George Walker IV, Sen, John McCain, Tristen Rouse, CNN Trump, Win McNamee, Adam Gray, Doug Mills, CNN Harris, peppering, Sheena Carey, Morry Gash, he’d, “, ” Trump, Christine Rogers, Matthew Hatcher, ” Saul Loeb, Roberto Schmidt, Andrew Thomas, Robert F, Kennedy Jr, Kennedy, Jim Lo Scalzo, Anthony Scaramucci, Olivia Troye, Matt Rourke, Hannah Beier, Lilly, Evelyn Hockstein, Matt Slocum, Kenny Holston, don’t, George W, Bush, it’s, they’ve, There’s, Biden, Taylor Swift, Tim Walz, Harris didn’t, unaccountably, JD Vance, Barack Obama’s, she’s, Viktor Orban, Trump’s, hadn’t, Vladimir Putin, “ You’re, you’re Organizations: CNN, ABC News Trump, Fox News, National Constitution Center, Getty, Trump, Pennsylvania Convention Center, Images, Affordable, People, Nasdaq, New York Times, Bloomberg, AP, AP Trump, Philadelphia International Airport, AFP, Philadelphia City Hall, Former Trump, Reuters, ABC, Force, White, Central, Five, Biden Locations: America, Philadelphia, Pennsylvania, Nashville , Tennessee, Washington ,, New York, Milwaukee, United States, AFP, Afghanistan, –, Hungarian, Ukraine, Russia

Financial planner Nadine Burns says with the right strategy, you can reach your retirement goals. Below, Burns shares the strategy she uses to help her clients achieve their retirement goals. Understand your net worthBurns says understanding your net worth — and tracking it throughout your working years — is the first step to retiring comfortably. Your net worth should rise throughout your working years and allow you to retire with more assets than debts. To find your net worth, add up all of your assets then subtract your debts.

Persons: Nadine Burns, It's, —, Burns, you've, doesn't Organizations: Service, Social Security, Invest, IRA

☆ Steve Eisman of 'Big Short' fame not worried about banks or economy
▼ + stars: | 2024-09-11 | by ( Yun Li | ) www.cnbc.com time to read: +3 min

Steve Eisman of "The Big Short" fame said he's unfazed by the weakness in bank stocks as well as any uncertainty around the Federal Reserve's next easing cycle. To Eisman, there's nothing to worry about. Eisman shot to fame by shorting collateralized debt obligations to profit from the demise of subprime mortgage loans before the 2008 financial crisis. Wednesday's data showed the consumer price index , a broad measure of goods and services costs across the U.S. economy, increased 0.2% in August , in line with the Dow Jones consensus. The economy Concerns about lower-income consumers have also increased recently, but Eisman said they are not indicative of a systemic issue endangering the wider economy.

Persons: Steve Eisman, he's, Neuberger Berman, shorting, Michael Lewis's, Eisman, Dow Jones Organizations: Federal, JPMorgan, Ally Financial, Dollar Locations: U.S

☆ Boeing should be kicked out of the Dow
▼ + stars: | 2024-09-11 | by ( Chris Isidore | ) edition.cnn.com time to read: +6 min

The United States is no longer primarily an industrial economy, and the changes in the index over the last 126 years reflect that evolution. Beyond that, there are two other major issues indicating that Boeing no longer belongs in the Dow. Trying to stay relevantBoeing obviously wasn’t an early component of the Dow — the index started seven years before the first plane flew at Kitty Hawk, and 20 years before Boeing was incorporated. In 2020, the Dow dropped ExxonMobil, then struggling with low oil prices during the pandemic, and added tech company Salesforce, then on a tear. Boeing declined to comment when asked about its membership in the Dow.

Persons: ”, Ron Epstein, Dow, Max, That’s, Sam Stovall, Kitty Hawk, “, ” Stovall, Stovall, — Organizations: New, New York CNN, Dow Jones, New York Stock Exchange, Nasdaq, Boeing, Bank of America, Steel, Disney, Dow, Alaska Airlines, Federal Aviation Administration, CFRA Research, Electric, Lockheed, GE, GE Aerospace, ExxonMobil, Airbus Locations: New York, United States, Alaska, Ukraine

See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates would impact your monthly payments. 30-Year Mortgage Rates TodayAverage 30-year mortgage rates are down slightly and are hovering around 5.75%, according to Zillow data. 15-Year Mortgage Rates TodayAverage 15-year mortgage rates have inched down this week and are hovering just above 5%, according to Zillow data. Last month, 30-year refinance rates averaged 6.59%, while 15-year refinance rates were around 5.90%. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile.

Persons: they've, you'll, Freddie Mac, it's, They'll, refinance Organizations: Reserve, Zillow, Fed Locations: Chevron

☆ Even kids of the ultrawealthy are anxious about inheritance. Here are 4 top questions I get asked as a wealth expert.
▼ + stars: | 2024-09-11 | by ( Charissa Cheong | ) www.businessinsider.com time to read: +8 min

I'm the managing director and head of the Merrill Center for Family Wealth. But often, they aren't sure what success means to those people, perhaps because family members feel uncomfortable talking about it. How can I build my own personal identity, both within and outside the family wealth? Many rising generation members are concerned about how to carve out a path for themselves. When rising generation members interact with friends and colleagues, it can lead to uncomfortable questions about wealth and privilege.

Persons: —, Valerie Galinskaya, we've, I've, We've Organizations: Service, Bank of America, Business, Merrill Center, Family Wealth Locations: New York City, San Francisco

☆ Top banking analyst Mayo says Citi shares can double over the next 2-and-a-half years
▼ + stars: | 2024-09-10 | by ( Lisa Kailai Han | ) www.cnbc.com time to read: +1 min

Wells Fargo bank analyst Mike Mayo highlighted Citigroup stock as his favorite bank name on Tuesday while speaking on CNBC's " Squawk on the Street ." Shares of Citigroup could double over the next two-and-a-half years "simply by going back to tangible book value," Mayo said. Citigroup sold for 73% of tangible book at the end of June, up from 60% at the end of last December, according to FactSet data. "Even after running this model, banks still have plenty of excess capital to support the economy," Mayo noted. "Recession or no recession; higher rates or lower rates … whatever hits you, I think banks are able to weather it quite well now."

Persons: Mike Mayo, Mayo, Jane Fraser Organizations: Citigroup, Federal Reserve, UBS, Lehman Brothers, Credit Suisse, Prudential, Deutsche Bank, Federal Locations: Wells Fargo, . U.S

☆ Median income rose to $80,610 in 2023
▼ + stars: | 2024-09-10 | by ( Tami Luhby | ) edition.cnn.com time to read: +4 min

Median household income rose to $80,610 in 2023, essentially the same as it was in 2019, the Census Bureau reported Tuesday. The typical household’s income rose 4% from 2022, driven primarily by an increase in workers’ earnings. There were widespread gains across the income ladder, though income inequality did not change significantly between 2022 and 2023. Changes in the poverty rateThe official poverty measure fell to 11.1% in 2023, down 0.4 percentage points from the year before. The supplemental poverty measure has been closely watched in recent years because it showed the impact of many federal Covid-19 pandemic relief programs.

Persons: ”, Arloc Sherman, Donald Trump, Kamala Harris, Harris, Sen, JD Vance, Biden Organizations: CNN, Census, Budget

☆ Visiting China in 2024: A guide to visas, mobile payments and more
▼ + stars: | 2024-09-10 | by ( Maggie Hiufu Wong | ) edition.cnn.com time to read: +20 min

We’ve put together a guide to some of the most frequently asked questions regarding China travel. China travel FAQsDo you need a visa to go to China? However, travelers visiting under these visa-free transit programs have more restrictions in terms of places they can visit. Exploring the country via China’s vast high-speed railway network is not an option for those entering under the two transit visa schemes. Beijing, China's capital city, accepts international travelers visiting under the 144-hour visa-free transit program.

Persons: it’s, ”, Denny Tian, Gabriela Correia, Correia, Tian, Greg Baker, Correira, ” Gabriela Correia, David Tucker, We’ve, John Seaton Callahan, China ’, Kevin Frayer, –, ” Correira, you’ve, Didi, Uber, Yan Cong, China’s Organizations: CNN, Immigration Administration, China, Google, Getty, “, Service, Shanghai Hongqiao, Hong Kong, Hong, Hong Kong Immigration, Travelers, Facebook, ”, Publishing, United, US, Baidu, Apple, China Railway, Bloomberg Locations: China, Beijing, Portugal, Shanghai, AFP, “, Hunan, Singapore, Thailand, Austria, Australia, Belgium, France, Germany, Hungary, Ireland, Italy, Luxembourg, Malaysia, Netherlands, New Zealand, Poland, Spain, Switzerland, New York, Japan, South Korea, United Kingdom, United States, Hong Kong, Macau, Jiangsu, Zhejiang, Asia, Tibet, Tibet Autonomous Region, Hainan, China's, Hawaii, ”, Canada

☆ Nearly a million more children fell into poverty last year. Both presidential campaigns want to give parents money to fix that.
▼ + stars: | 2024-09-10 | by ( Juliana Kaplan | Madison Hoff | ) www.businessinsider.com time to read: +5 min

Read previewMore children fell into poverty last year — and it could signal a major issue for both candidates as the presidential election heats up. But child poverty rose faster than that, from 12.4% to 13.7%. "The effectiveness of such a policy is evident when one considers the effects of the Child Tax Credit." And with child poverty only worsening, what candidates can deliver for parents might be particularly salient. Is the rise in child poverty and lack of assistance impacting your family?

Persons: —, Steven Durlauf, Joe Biden's, Kamala Harris, Donald Trump's, Joseph Costello, Harris, Walz, JD Vance, Anna Kelly, Kelly, Trump, Adam Ruben, Josh Bivens, they'd Organizations: Service, Business, The University of Chicago, Stone Center for Research, Harris School of Public, Child Tax, Pew Research Center, Economic Security, Census, Economic Policy Institute, jkaplan Locations: U.S

☆ What Trump and Harris’ economic proposals mean for you
▼ + stars: | 2024-09-10 | by ( Elisabeth Buchwald | Matt Egan | ) edition.cnn.com time to read: +9 min

Here’s a look at what could happen to inflation, jobs and the deficit if Trump or Harris win in November. That, among other things, would keep the top tax rate individuals pay at 37% compared to 39.6% before it went into effect. Meanwhile, the tax proposals Harris has put forth so far mostly involve imposing higher taxes, which would have a positive impact on the deficit. For instance, she’s endorsed raising the top individual income tax rate to 44.6% and the top long-term capital gains tax rate to 28% versus the current 20%. Taken together, the Penn Wharton Budget model estimates Harris’ proposals could increase the deficit by an additional $1.2 trillion by 2034.

Persons: Kamala Harris, Donald Trump, Harris, Goldman Sachs, Trump, Warwick McKibbin, Goldman, she’s, ”, Justin Wolfers, Kevin Dietsch, He’s, Elon Musk, She’s, Joshua Gotbaum Organizations: New, New York CNN, Labor Department, Trump, Peterson Institute for International Economics, Gross, University of Michigan, CNN, Federal Reserve, Treasury Department, Wharton Budget, Social Security, Penn, Wharton Budget Model, Penn Wharton Budget, Brookings Institution Locations: New York, United States, Penn

As the Fed lowers its benchmark rate, mortgage rates should continue to go down. See more mortgage rates on Zillow Real Estate on ZillowMortgage CalculatorUse our free mortgage calculator to see how today's mortgage rates will affect your monthly and long-term payments. FHA Interest RatesFHA interest rates were 5.03% last month, and they've been a bit lower in recent weeks. 5-Year Mortgage Rate TrendsHere's how 30-year and 15-year mortgage rates have trended over the last five years, according to Freddie Mac data. Mortgage rates are determined by a variety of different factors, including larger economic trends, Federal Reserve policy, your state's current mortgage rates, the type of loan you're getting, and your personal financial profile.

Persons: they've, Freddie Mac Organizations: Federal Reserve, Traders, Zillow, ARM, Federal Housing Administration, Department of Veterans Affairs Locations: Chevron

The information for the following product(s) has been collected independently by Business Insider: Bank of America Premium Rewards Elite, Bank of America® Premium Rewards® credit card. Introduction to the Bank of America Premium Rewards Elite CardAs a high-end travel rewards card, the Bank of America Premium Rewards Elite offers several ways to earn rewards and solid cardholder benefits. Bank of America Premium Rewards Elite Credit Card Cardholder InsightsMembers of online forums such as Flyertalk and Reddit generally give the Bank of America Premium Rewards Elite card positive reviews. Bank of America Premium Rewards Elite Card ComparisonSeveral premium rewards credit cards compete directly with the Bank of America Premium Rewards Elite card. Bank of America Premium Rewards Elite Frequently Asked QuestionsWhat are the main benefits of the Bank of America Premium Rewards Elite Credit Card?

Persons: —, airfare, you'll, there's, Chase, isn't, You'll, Read, Chase Travel ℠, Chase Sapphire, Uber, Cardholders, Jason Steele, Jason, Guy, he’s Organizations: Business, Bank of America, Bank of, The Bank of America, of America, Bank of America Travel Center, Rewards Bank of America, Merrill, Avis ®, Hertz, American Express, TSA, U.S . Bank of America, Citi, Wells, Bank, America, Diamond, . Bank of America, Global, Chase, Chase Travel, Chase Sapphire, American, Saks Fifth, Uber, Walmart, Delta Sky, Bank of America Preferred, Conference, Credit Card Media, Forbes, USA, Newsweek, Street Journal, CNN, University of Delaware, Colorado ExperienceExperienceEducations Locations: Bank, U.S, —, Colorado

☆ It's not time to shift into defensive stocks just yet, New York Life's Goodwin says
▼ + stars: | 2024-09-10 | by ( Jesse Pound | In Jesse-Pound | ) www.cnbc.com time to read: +2 min

Lauren Goodwin, economist and chief market strategist at New York Life Investments, told CNBC that winning stocks are unlikely to fit neatly within defensive sectors at this point in the economic cycle. Another thing for investors to consider is that some of the traditional defensive sectors have already been on an upswing. Meanwhile, the Consumer Staples Select Sector SPDR Fund (XLP) is up 9%, and Health Care Select Sector SPDR Fund (XLV) is up more than 6%. XLU mountain 2024-07-01 Defensive stocks like consumer staples have performed well in the third quarter. Instead of moving to defensive stocks, investors should focus on looking for ways to lock in higher yields in fixed income before the Federal Reserve begins cutting rates, said Goodwin.

Persons: Lauren Goodwin, Goodwin Organizations: New York Life Investments, CNBC, Consumer, Federal Reserve Locations: U.S

Understanding business loansWhat is a business loan? Types of business loans availableYou need to determine what you will use the money for before applying for a business loan, as there are various loan types. "Business loan options are abundant, and it can be very easy to obtain business financing," says Grayson. After the applicationWhat to expect after applyingLenders generally look at your time in business, credit scores (both your business credit score and personal credit score), cash flow, collateral, and the industry the business is in. Business loan FAQsWhat credit score is needed to get a business loan?

Persons: you've, Gina Taylor Cotter, You'll, Noah Grayson, Grayson, you'll, Matt Brewster, Brewster, Ryan Wangman, Read Organizations: GM, Global, Services, American Express, Small Business Administration, South End, Estate Bees, Nonprofit, Chevron, Finance, Northwestern University, Boston Globe

☆ Credit expert: You have 'dozens and dozens' of credit scores, but they should all have one thing in common
▼ + stars: | 2024-09-10 | by ( Cheyenne Devon | ) www.cnbc.com time to read: +1 min

The idea that you only have one credit score isn't true. In fact, it's one of the biggest credit score myths people consistently fall for, says John Ulzheimer, a credit expert who formerly worked for FICO and Experian. "You literally have dozens and dozens and dozens of credit scores that are not all the same three-digit number," he tells CNBC Make It. Unfortunately, the difference in numbers can cause confusion or even mistrust if you're not aware that you have multiple credit scores, Ulzheimer says. "But really, they're not doing anything wrong, they're just pulling a completely different credit report."

Persons: John Ulzheimer, —, Ulzheimer, they're Organizations: FICO, CNBC

Leo and Faith Jean-Louis were paying about $2,200 in minimum monthly payments towards their debt. In order to maintain their debt payments, the couple had a minimum monthly payment of $2,200 between the two of them. At that rate, it would take them 15 years and cost them $125,000 in additional interest to pay off their debt. After returning from their honeymoon in Greece, they decided to tackle their debt and pay it off as soon as possible. Leo and Faith didn't want their kids to start their lives off financially behind or in debt like they did.

Persons: Leo, Faith Jean, Louis, —, Leo Jean, Roth, Faith didn't, Faith, hadn't, doesn't, Faith babysat, couldn't Organizations: Service, Ramsey Locations: Greece

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