"I could stop being poor, I just don't like the tradeoff."

I feel like this is an ugly truth, but still a truth. It's also very ugly.

For some people there's no tradeoff on how much they have to suffer to get some financial security because they already have it. Some people have to suffer a bit but quickly hit escape velocity. Some people never stop suffering. It's terrible.

I think Dave Ramsey has many annoying qualities but his "sometimes you have to act crazy to get out of it" is basically correct even if it's very, very uncomfortable IMO.