Are you living paycheck to paycheck? Does the thought of managing your bills stress you out?You're not alone!Everett wants to share some personal advice that helped him go from $4,000 in credit card debt to 100% debt-free in just 4 years. Not only is Everett debt-free, but he also has enough savings to cover large emergencies and even borrow against that savings for purchases of high-cost items like a new phone.While Everett is certainly proud of his hard work, he is humble enough to know that not everyone can get the same results on their own, so he wants to share the mindset and thinking that helped yield a positive end goal.   Nearly 50% of the baby boomer generation does not have savings for retirement or emergencies. Everett's late grandfather instilled the wisdom to "invest as much as you can, as early as you can" and that advice has garnered financial stability for Everett and his husband. WATCH 2016 PBS VIDEO: Why so many Americans in the middle class have no savingsSend us a textVoiceovers by Molly, LLCVoiceovers by Molly, LLC - She wants to collaborate with you!Disclaimer: This post contains affiliate links. If you make a purchase, I may receive a commission at no extra cost to you.Support the show