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Four years ago, J.D. Roth was buried under $35,000 in debt from various consumer and home-equity loans and despaired of digging out.

Today the former cardboard-box salesman is debt-free and building wealth through careful budgeting and investing.

His smart, can-do postings are stuffed with helpful resources and contagious enthusiasm about the joys of financial freedom.

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Last updated April 15 2008: 3:48 PM ET

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