Seabrook Vest pattern from Berroco, knit, but easily translated into an open work crochet pattern with large hook for drape, using measurements, not stitches. Instead of binding off at armhole edge, slip stitch across. Then on return, chain instead of casting on, for armhole opening.
3 Reasons Dave Ramsey’s Advice Might Be Wrong for You: Getting out of debt is HARD. I know, I've been there. And finding the right advice to get out can be equally as difficult. I've always though Dave Ramsey was great.. but there are a few pieces of his advice that don't fit my lifestyle.
3 Reasons Dave Ramsey’s Advice Might Be Wrong for You