A lower interest rate doesn't make a debt go away.
There are no shortcuts when it comes to getting out of debt.
Success is a pile of failure that you are standing on.
Money is 80% behavior, 20% head knowledge. It's what you do, not what you know.
You must walk to the beat of a different drummer. The same beat that the wealthy hear. If the beat sounds normal, evacuate the dance floor immediately! The goal is to not be normal, because as my radio listeners know, normal is broke.
Be an evangelist with your excellence.