Dave Ramsey http://www.daveramsey.com/ Real Life Money Stories en-us Mon, 22 Dec 2014 06:12:30 CST 180 Saturday Sunday Dave Says - December 15, 2014 http://www.daveramsey.com/davesays/column/column/dave_says-2014-12-15 http://www.daveramsey.com/davesays/column/column/dave_says-2014-12-15 Mon, 15 Dec 2014 12:12:32 CST I gave my wife $350 for Christmas shopping at Wal-Mart. While she was there with our six-year-old daughter ... Single Teacher, DEBT FREE! http://www.daveramsey.com/articles/articleList/category/100424/storyid/103216 http://www.daveramsey.com/articles/articleList/category/100424/storyid/103216 Sat, 13 Dec 2014 02:18:57 CST I have constantly heard how little teachers make compared to other careers. Despite that, teaching has always been my passion and I went to a private Christian liberal arts college for my degree (and the honors program that traveled abroad). I was incredibly blessed financially by my parents, scholarships, and work opportunities, but I still "had to" take out loans for each year. After graduating with $36,000 in student loan debt, I was blessed to land my dream job! I was putting more than minimum towards my loans, but was also dividing my focus by trying to build an emergency fund, and setting aside money for investing (whenever I had time to figure that out, I thought). I started seriously researching in December 2013, frustrated that I wasn't making as much progress on any of my goals as I wanted. That's when I discovered this program, and it has made all the difference! I have always been the type that just needs a plan explained to me, and when I believe it I plow through it! After a gift from family towards my student loans, and 11 months of gazelle intense, I am debt free (my New Year's Resolution complete) and in a far better financial position than many of my older colleagues! I just want to encourage all those out there who constantly hear their income is too low or that being single makes it harder: You can do it! It may require some sacrifice, but the reward on the other side is amazing! The peace of mind and freedom to dream about the future that comes from all your debt being gone is incredible, and completely worth all the effort. Finally Free of Debt and Shame http://www.daveramsey.com/articles/articleList/category/100424/storyid/103209 http://www.daveramsey.com/articles/articleList/category/100424/storyid/103209 Fri, 12 Dec 2014 11:33:57 CST I have been in and out of debt my whole adult life: Bankrupt at 24, I started over as a single parent and used spending on credit cards to self-medicate my lonliness and guilt. Fast forward ten years to a new marriage, I got out of debt and then suffered an emotional loss that drove me back into the cycle of emotional overspending. I was the quintessential "broke financial professional". I started listening to Dave 10 years ago, but it wasn't until I could face my emotional demons and stop medicating with overspending that I broke the cycle. The woman in my mirror was my biggest problem and she had to come to the realization that her future financial stability was more important than todays wants. Last fall I decided that my goal of being debt free was the most important mission that I could focus on. I got serious about my budget and I told my adult child that I could no longer subsidize her life with credit card debt. I cut out frivolous spending and focused on repaying the mountain of credit card debt that I faced. I was too ashamed to admit to my husband that I had run my credit cards back up to $30,000. A co-worker joined me in Financial Peace University and was my support system. Through hard work and discipline I paid off $29,512.31 between January 1, 2014 and December 1, 2014. Being free of the shameful secret that I was carrying has brought a liberating feeling of contentment and joy. I am now working on building my 3 month emergency fund and planning for future investments in a Roth IRA. My daughter has been more self-sufficient without my enabling behavior and I am very proud of the progress she has made in the last 12 months. In the next chapter of my life I would like to give back by bringing financial literacy to her generation of kids. American Girl in Italy http://www.daveramsey.com/articles/articleList/category/100424/storyid/103190 http://www.daveramsey.com/articles/articleList/category/100424/storyid/103190 Fri, 12 Dec 2014 01:35:35 CST I started my get out of debt journey the summer of 2013 with over 8,000 in credit card debt. I'm a single 28 year old making roughly 50,000 a year. Using Dave Ramsey's baby steps I was able to save my first 1,000 quickly. With an unexpected move to Italy a few months after starting the class, my debt snowball took a pause with moving costs and some touring around Europe (bad I know). I traded in my 2011 Camero for a more reasonably priced Fiat. After my high of being in Europe for the first time calmed down I started hacking at my debt again. Paying with cash, cutting up the credit cards and using the zeroed out budget really made paying off my debt simple. I can say today that I am finally debt free! It only took me a year and a half! I am now engaged and I'm saving up for my wedding to pay cash only! Now my fianc?? (who is way better at money then I am) can start our future debt free! SLOW...but I did it!!! http://www.daveramsey.com/articles/articleList/category/100424/storyid/103150 http://www.daveramsey.com/articles/articleList/category/100424/storyid/103150 Tue, 09 Dec 2014 03:12:33 CST I learned finance from my Mom. Her philosophy was if you have a card, you can get what you want. I was barely keeping up with payments, no savings, no retirement fund (at age 55) and then lost my job for several months. I had a car repo and was in danger of losing my house. I was already in a Chapter 13 when I discovered Financial Peace. I payed off that ($65,000) and worked on another ($30,000). Murphy came to visit several times. My car was $700 from being done in the bancruptcy when a lady in a truck totaled it. I determined at that time, that $2000 was a better emergency fund. I also slowed my snow ball to replace my roof and furnace as I cash-flowed both by working 6 days a week for too long. It felt good just to write those checks and not owe any more. This has been over the last 7 years. I am now holding the last envelope to pay my last debt, and only $38,000 left on the house. I am making $75,000 a year (started at $60,000). I am so excited as one paycheck will cover all of my expenses with some left over. I am planning to increase my support for my missionarys and church, and am getting an opportunity to go to Israel without going into debt. It took me awhile, but I finally got the principles. Financial Peace was instumental in teaching me how to look at money. I am no longer the person who feels entitled to whatever I see. Once I get my 6 months emergency fund, I will be talking to your ELP and I will be attacking the house payment and saving more for retirement. I have been able to introduce several friends to the program, have volunteered at several events. I am no longer a broke girl with a fear of retirement. I thank God for helping me find Financial Peace. Dave Says - December 8, 2014 http://www.daveramsey.com/davesays/column/column/dave_says_2014-12-08 http://www.daveramsey.com/davesays/column/column/dave_says_2014-12-08 Mon, 08 Dec 2014 12:12:40 CST My brother and I recently received an inheritance after our mom died ... my emp pw reflected my shrinking debtload http://www.daveramsey.com/articles/articleList/category/100424/storyid/103143 http://www.daveramsey.com/articles/articleList/category/100424/storyid/103143 Mon, 08 Dec 2014 11:31:51 CST Dear readers, I hope this finds you well. Here is my story. I went to college borrowing money along the way, thinking I may never enjoy the opportunity to travel after college because of being a working class and somewhat hopeless individual. With that mindset, I borrowed money for college and accrued a total of almost $80,000 debt. After college, I went to work and my starting salary was $35,000. I often worked two jobs because of having a car payment, medical needs, rent, student loan payments, etc. Two years after my first job, was the first lay off, as it was 2008 or 9. One year later, I'd been recruited to a new job, purchased a home and then experienced my second lay off. I would like to add though, that I purchased a foreclosed home and renovated the home, out of pocket, a little at a time. So, when the second layoff happened, I was able to sell the home--1.5 years later with a 15,000 profit because of researching how to do it on line instead of using a real estate agent. I then moved to a bigger city (Maine's biggest; Portland) and took a job as a Clinical Director. Soon after my arrival I learned that my employer was a severe alcoholic and kept his whiskey right at work, in his desk. I didn't want to job-hop anymore after two lay offs and was aware that being the Rendering Provider meant that the business operated/was able to bill in my name. I felt responsible for the well functioning and employment of many. After a year, my health declined because of the daily risk and problems inherent with a place that enables addiction. I felt that something better was out there for me and that I needn't be a victim and I knew I was not a bad person. All through these years, I volunteered in addition to working. I was educated. Law abiding, loving, etc. Finally after giving notice and resigning, I put all of my things in storage. I moved into the spare bedroom of one of my best friend's homes. I cooked for her, her boyfriend and father and cleaned and focused on centering, reading, regaining a sense of hope. After two months, I applied to a job with SAIC and almost immediately a recruiter called me. Two months later, I was in Japan, serving children of military families, as a kids counselor (officially titled ASACS counselor.) In lieu of shopping and extensive travel, I took one annual trip back to see family. (For my first 10 months there I did not pay on the loan. I just enjoyed having money.) After 10 months, I focused on cycling and racing as a way of seeing the country inexpensively. Every 90 days at work, I was required to change my password and with each 90 days, was able to make a DebtFree70,000!, DebtFree60,000!... and so forth. Eventually I got to change it to DebtFree3payments! As of two months ago, I am debt free, just in time for the contract end. I can go back to my home town and focus on my next step. I hope to buy a small home with a rental upstairs so as to earn/have the rental pay for the mortgage. I am so thankful that I heard about Dave Ramsey and the great program. Years ago, I read the books and thought it would be so nice to be one of those people... I wanted to be Debt Free, an Iron Man, and know how to swim (free style) by age 40. It feels good to say; I did it! Thank you for the enlightenment. (I no longer own a home. That's the next step.) THEY STOPPED LAUGHING. http://www.daveramsey.com/articles/articleList/category/100423/storyid/103131 http://www.daveramsey.com/articles/articleList/category/100423/storyid/103131 Sun, 07 Dec 2014 06:26:20 CST A friend recommended your book, The Total Money Makeover about 10 months ago. I read it and immediately apologized to my husband for our financial situation. I was in charge of all of the bills. He thought I was a crazy woman when I finished reading it! We both sat down and started our new financial life. Family and friends laughed at us and said it wouldn't work. Now, 10 months later, we are very much on our way to becoming debt free, and those who laughed are now on your budget. We pay cash for everything, plan months ahead for holidays, paid off our vehicles and pay weekly on our debt balances. We struggled weekly for years. We have 5 kids and we were drowning. I have posters hanging of our debt snowball plan, our kids are learning the importance of financial freedom, we are less stressed, and so very thankful for beginning this journey. It is the best thing we have ever done for our family! The best part..I get calls to help others with their budgets, I recommend your books, and the sound of laughter has turned into praise and encouragement. We "live like no one else" and couldn't be happier! Single Girl, $40,000, Debt free in 2 Years http://www.daveramsey.com/articles/articleList/category/100424/storyid/103135 http://www.daveramsey.com/articles/articleList/category/100424/storyid/103135 Sun, 07 Dec 2014 02:50:14 CST In 2012, I graduated from a private university with $40,000 of debt. I was bound and determined to get out of debt in 2 yrs. I took Dave Ramsey's Financial Peace course after graduation, which gave me a game plan. I make a living as a nurse. I overpaid my month payments by $1,700, lived with roommates, and kept a moderate budget. I rewarded myself at certain mile markers. I just sent my final payment today! I am so excited to start 2015 debt free! Now, I can start the next step. Debt free is the way to be! Gazelles in the Kitchen! http://www.daveramsey.com/articles/articleList/category/100424/storyid/103129 http://www.daveramsey.com/articles/articleList/category/100424/storyid/103129 Sat, 06 Dec 2014 12:18:54 CST Just wanted to let you know that not only has this program helped my husband and I achieve our financial goals as a family it has also helped inspired some decorative touches in our newly acquired home. We received FPU as a wedding gift from my dad and attended the last class the day after the wedding! That???s right, the class celebrated with us by having petit fours, punch, and a lesson about giving all before we set off to our Niagara honeymoon. When I got a job, we hit the snowball hard and killed $20,000 worth of debt in 14 months. After that we went straight into super savings mode. About 12 months later we plunked 30% down on brick ranch foreclosure for our first home. 15 year loan, 4.125 percent, $355 plus escrow with no credit score (two years to build but goes from 739 to nada in only six months). Also we???ll totally be able to pay it off early, score! Of course it needs some love, which will be mostly supplied DIY style over the next few years. Until we get to our bigger remodel my husband agreed to let inject the house with whimsy via wall murals. A pop-art bust of Dave was vetoed so the next choice was obviously Gazelle Intensity! We painted an Art Deco gazelle mural on the long wall in our kitchen. It???s Estupendo! Thanks Dave from both of us, Kea & Mike Thompson Thankful http://www.daveramsey.com/articles/articleList/category/100424/storyid/103087 http://www.daveramsey.com/articles/articleList/category/100424/storyid/103087 Wed, 03 Dec 2014 02:36:31 CST Our family has been on Dave's program for a few years. We have the baby steps on a white board in our pantry and goal sheets. We have a 16 year old daughter and 13 year old son. They are in on this and it's engrained in them. When Dave's info is discussed at school they are already in the know. We are currenlty on Baby Step 6. It's a great feeling. As others have said, there are ups and downs through out our journey. We are so thankful to be at step 6 because I was just diagnosed with a brain tumor in August. I can focus on my upcoming health battle instead of worrying about finances and insurance. I'm 42 years old and didn't see this coming. As our pastor says: Life is uncertain but God is not. So, I'm thankful to God for his love, mercy, and strength. Also, to Dave because if we weren't setting where we are currently with our finances it would be a tougher road. Sincerely, Stacy Davis Fall off the wagon and binge http://www.daveramsey.com/articles/articleList/category/100423/storyid/103082 http://www.daveramsey.com/articles/articleList/category/100423/storyid/103082 Tue, 02 Dec 2014 11:14:23 CST I was working dave's plan: I had all CCs paid off, no car payment, just refinanced my home from 30 to 15 year and paid off a 20K loan back to my 401K that I had used for my down payment when I got divorced. Within 24 hours of signing the refi paperwork, I immediately got hit with HUGE car problems. Three issues on my old 2005 (paid for) SUV in the course of 3 weeks that totaled 4500. I was heart broken. This was Murphy with his three drinking buddies coming to visit me. I went from cloud 9 to angry and so deflated. My stupid tax is that rather than just go back to the plan and chip away at the 4500, I decided all was lost and went out and spent 2500 on a huge clothing and home goods shopping spree. I came to my senses and returned as much as I could that still had tags. But sadly the damage was done, now I'm paying the stupid tax for my weakness. I will get there, even if I have to eat through the crow to get there. I WILL get there. Dave Says - December 1, 2014 http://www.daveramsey.com/davesays/column/column/dave_says_2014-12-01 http://www.daveramsey.com/davesays/column/column/dave_says_2014-12-01 Mon, 01 Dec 2014 11:12:42 CST My wife and I are still paying off debt, so we didn't budget anything for Christmas ... Completely Free http://www.daveramsey.com/articles/articleList/category/100424/storyid/103056 http://www.daveramsey.com/articles/articleList/category/100424/storyid/103056 Thu, 27 Nov 2014 09:20:26 CST It's been a long hard road for us. Four years ago we started on our journey after we hit rock bottom. My wife and I both lost our jobs in teaching and had $135,000 in debt. We had to move back in with my parents. We looked at our lives and something had to change. I joined the navy as a nuclear mechanic and we got mad about our debt. We had some slips and setbacks, but we prevailed. Now we are living in Japan, debt free, fully funded emergency fund, funding retirement, and enjoying the reduced stress in life. Dave Says - November 24, 2014 http://www.daveramsey.com/davesays/column/column/dave_says_2014-11-24 http://www.daveramsey.com/davesays/column/column/dave_says_2014-11-24 Mon, 24 Nov 2014 11:11:44 CST My husband and I are following your plan, and we're trying to reconcile our on-paper budget with what's going on in our bank account ... Our Debt Avalanche ;~) http://www.daveramsey.com/articles/articleList/category/100424/storyid/103015 http://www.daveramsey.com/articles/articleList/category/100424/storyid/103015 Mon, 24 Nov 2014 08:20:30 CST On August 24th, 2012, I was involved in a motorcycle accident, with that said. We were already on our way to paying down our debt, which included 1 car (14k), credit card debt (8k), HELOC (10K), the only debt remaining being our home, balance of 45K with a 3.25%, 15 yr. mortgage, last year we received a settlement of 76K, with that settlement we paid off the 32k in debt, and took the remainder and completed the renovation of our home, now with the increased cash flow we decided to TRIPLE our mortgage pmt. to pay off our home in 3 years, still going strong, mortgage payoff party is planned for Dec 2016 (Last Pmt). I will be 54, and my wife will be 50 yrs old.in 2016 and with ZERO DEBT! Free at last, Free at last, thank GOD almighty we will be DEBT FREE at last. Thanks Dave! 40,000 in 4 years, now debt free http://www.daveramsey.com/articles/articleList/category/100423/storyid/103007 http://www.daveramsey.com/articles/articleList/category/100423/storyid/103007 Sat, 22 Nov 2014 09:03:44 CST My wife and I learned about Dave Ramsey after we got ourselves into $40,000 of car loan and credit card debt. It took 4 years of hard work, changed habits, and refocused expectations but as of this month we are debt free. Being debt free is only part of the success. We also have become more careful and thoughtful about every expense. Nothing gets spent without first checking the budget. Many times we just wait until next month or until we have saved the money. Thank you for your help! Dave Says - November 17, 2014 http://www.daveramsey.com/davesays/column/column/dave_says_2014-11-17 http://www.daveramsey.com/davesays/column/column/dave_says_2014-11-17 Mon, 17 Nov 2014 00:11:00 CST My mother-in-law is in poor health and doesn't have a lot of money ... Onto babystep 3! http://www.daveramsey.com/articles/articleList/category/100423/storyid/102836 http://www.daveramsey.com/articles/articleList/category/100423/storyid/102836 Mon, 10 Nov 2014 05:54:10 CST My dad signed my husband and I up for FPU in January 2014, and I thought we'd never get out of debt ($15,417) on a combined $40k/unpredictable income. Once we started with gazelle intensity, we had our $1,000 e-fund and were 100% debt free on September 16th, only 238 days after starting! We are now a third of the way through our 3-6 month and are doing some savings already. Thank you Dave Ramsey and co.! Dave Says - November 10, 2014 http://www.daveramsey.com/davesays/column/column/dave_says_2014-11-10 http://www.daveramsey.com/davesays/column/column/dave_says_2014-11-10 Mon, 10 Nov 2014 00:11:00 CST We've got our starter emergency fund in place, and we've paid off the last of our debt ... Seemingly harmless student loan http://www.daveramsey.com/articles/articleList/category/100423/storyid/102768 http://www.daveramsey.com/articles/articleList/category/100423/storyid/102768 Thu, 06 Nov 2014 08:43:16 CST Before I married my husband, he took out a student loan from Chase of about $25k so that he could go to fire academy. The academy was 8 hrs per day, 5 days a week, so he had to quit his day job and work at Kohl's on weekends, so basically his student loan paid for his living expenses and car payment. I didn't know any better either, so I told him to get the loan. After graduating the academy, he couldn't find a firefighter job due to the economy, so he continued living off the balance of the loan. The $225 monthly student loan payments didn't seem that bad though, right? WRONG! We later found out when talking on the phone to Chase that the loan wouldn't get paid off until he was in his 50s (he was only 24 at the time) and the $25k would grow to over $60k with interest!!! Why don't they tell you that when you take out the loan??? I asked for an amortization schedule, and they wouldn't give us one (I don't think they knew what that was). When we got married we started paying $1,000 per month, and we got rid of it in less than 3 years! Today, we have no debt except the house, which is scheduled to be paid completely off in 3 years! Thanks Dave Ramsey! Dave Says - November 3, 2014 http://www.daveramsey.com/davesays/column/column/dave_says_2014-11-03 http://www.daveramsey.com/davesays/column/column/dave_says_2014-11-03 Mon, 03 Nov 2014 15:11:12 CST My daughter is a freshman in college, but I didn't save for her education ... Not rolling from IRA to Roth IRA earlier http://www.daveramsey.com/articles/articleList/category/100423/storyid/102650 http://www.daveramsey.com/articles/articleList/category/100423/storyid/102650 Tue, 28 Oct 2014 11:00:52 CST The experts assume that you will be in a lower tax rate at retirement. Most of my working life I was in the 10-15% income tax range. But being debt free with a paid off home, I built a good sum in my IRA/401K . I project I will have >1.5 million in the IRA when required minimum distribution hits at age 70.5 . I will be shoved into the top tax bracket. I'm rolling it to a Roth IRA as fast as I can. Unfortunately I won't be able to roll enough to avoid a tax hit. BEWARE: NOT EVERYONE IS IN A LOWER TAX BRACKET FOR RMD at 70.5. Dave Says - October 27, 2014 http://www.daveramsey.com/davesays/column/column/dave_says_2014-10-27 http://www.daveramsey.com/davesays/column/column/dave_says_2014-10-27 Mon, 27 Oct 2014 00:10:00 CST I'm a 26-year-old journalist making $26,000 annually, and the only debt I have is $31,000 in student loans ... We did it in 10 and 1/2 months http://www.daveramsey.com/articles/articleList/category/100423/storyid/102618 http://www.daveramsey.com/articles/articleList/category/100423/storyid/102618 Fri, 24 Oct 2014 08:42:17 CST We started the Dave Ramsey plan 10 and 1/2 months ago. We owed on a bank loan and a car payment totaling $14,400. Both are now paid off. We are looking forward to baby step 3. DAVE RAMSEY’S THE LEGACY JOURNEY OFFERS A RADICAL VIEW OF BIBLICAL WEALTH AND GENEROSITY http://www.daveramsey.com/press-release/dave-ramseys-the-legacy-journey-offers-a-radical-view-of-biblical-wealth-and-generosity- http://www.daveramsey.com/press-release/dave-ramseys-the-legacy-journey-offers-a-radical-view-of-biblical-wealth-and-generosity- Tue, 21 Oct 2014 09:10:51 CST New York Times bestselling author and nationally syndicated radio talk show host, Dave Ramsey releases The Legacy Journey, the new book that takes readers deep into God’s Word revealing His perspective on wealth. Fathom Events Brings New York Times Best-Selling Authors Dave Ramsey and Rachel Cruze’s ‘The Legacy Journey’ to Select Cinemas Nationwide on November 19 http://www.daveramsey.com/press-release/fathom-events-brings-new-york-times-best-selling-authors-dave-ramsey-and-rachel-cruzes-the-legacy-journey-to-select-cinemas-nati http://www.daveramsey.com/press-release/fathom-events-brings-new-york-times-best-selling-authors-dave-ramsey-and-rachel-cruzes-the-legacy-journey-to-select-cinemas-nati Mon, 20 Oct 2014 13:10:43 CST Inspirational Event Will Focus on Keys to Building Wealth, Raising Financially Savvy Children, True Generosity and More Dave Says - October 20, 2014 http://www.daveramsey.com/davesays/column/column/dave_says_2014-10-20 http://www.daveramsey.com/davesays/column/column/dave_says_2014-10-20 Mon, 20 Oct 2014 12:10:50 CST My husband will be leaving his full-time job in a year so he can go back to school full-time ... Dave Says - October 13, 2014 http://www.daveramsey.com/davesays/column/column/dave_says_2014-10-13 http://www.daveramsey.com/davesays/column/column/dave_says_2014-10-13 Mon, 13 Oct 2014 14:10:51 CST I'm in college, but I'm not the typical college student ... 2nd Anniversary http://www.daveramsey.com/articles/articleList/category/100423/storyid/102375 http://www.daveramsey.com/articles/articleList/category/100423/storyid/102375 Fri, 10 Oct 2014 01:05:19 CST This October our family is celebrating our 2nd Anniversary of becoming debt free. In short, in Nov 2010 our family was 50K in the hole. By Oct 2012 we were DEBT FREE and never looked back. Now 2 years after becoming debt free, we have 30K in savings, college being funded for our children, and are contributing to our roth IRA's. To anyone out there on the fence about doing this plan, we are living proof that it really does work. I thank the Ramsey Team every day I wake up for their work. And good luck to all of you. Debt Dumped (Back on Myself) http://www.daveramsey.com/articles/articleList/category/100423/storyid/102313 http://www.daveramsey.com/articles/articleList/category/100423/storyid/102313 Wed, 08 Oct 2014 09:09:13 CST I had an inheritance come through a couple years ago. Initially all the money was spent on dumping the debt. Then I got persuaded into spending some of the money on a cash-value insurance (stupid because I didn't have all my debts dumped). Then after taking Dave's class I decided to take the money back from that insurance policy and finish dumping the debt. Unfortunately, I didn't pay enough attention, and took it out as a loan at 8% interest (OUCH!). Then I got hooked into another financial plan, and sunk further into the debt we're all trying to get away from. Now, I'm co-hosting a class, and rededicated to eliminate all that debt. Trying To Build A Home http://www.daveramsey.com/articles/articleList/category/100423/storyid/102246 http://www.daveramsey.com/articles/articleList/category/100423/storyid/102246 Fri, 03 Oct 2014 11:52:21 CST Husband and I had only been married for three years. We decided to buy our first home. For sale by owner sounded good to us. Rent to own sounded even better. We found an owner of a large four bedrooms, two baths and even a pool. At two thousand a month, sounded perfect. NOT! After one month, my husband really looked over the agreement and saw that we wouldn't start building equity for five years. DAVE RAMSEY’S FINANCIAL PEACE UNIVERSITY CELEBRATES 20 YEARS OF CHANGING LIVES http://www.daveramsey.com/press-release/dave-ramseys-financial-peace-university-celebrates-20-years-of-changing-lives http://www.daveramsey.com/press-release/dave-ramseys-financial-peace-university-celebrates-20-years-of-changing-lives Tue, 12 Aug 2014 10:08:32 CST New York Times best-selling author and personal finance expert Dave Ramsey is celebrating the 20th anniversary of Financial Peace University. WINNERS ANNOUNCED IN DAVE RAMSEY’S FINANCIAL LITERACY CHALLENGE SCHOLARSHIPS http://www.daveramsey.com/press-release/winners-announced-in-dave-ramseys-financial-literacy-challenge-scholarships- http://www.daveramsey.com/press-release/winners-announced-in-dave-ramseys-financial-literacy-challenge-scholarships- Wed, 09 Jul 2014 10:07:39 CST Dave Ramsey’s Foundations in Personal Finance announces the three winners of the $5,000 scholarships awarded in the Financial Literacy Challenge. MORE THAN 1.5 MILLION HIGH SCHOOL STUDENTS GET FINANCIAL EDUCATION THROUGH DAVE RAMSEY’S FOUNDATIONS IN PERSONAL FINANCE COURSE http://www.daveramsey.com/press-release/more-than-15-million-high-school-students-get-financial-education-through-dave-ramseys-foundations-in-personal-finance-course http://www.daveramsey.com/press-release/more-than-15-million-high-school-students-get-financial-education-through-dave-ramseys-foundations-in-personal-finance-course Thu, 05 Jun 2014 16:06:15 CST More than 1.5 million high school students have used Dave Ramsey’s Foundations in Personal Finance curriculum nationwide. Ramsey offers Foundations in Personal Finance for high school students to learn more about how to better manage their finances and build wealth so they can have a solid financial future. DAVE RAMSEY HOSTS CONFERENCE TO HELP PEOPLE LIVE SMART http://www.daveramsey.com/press-release/dave-ramsey-hosts-conference-to-help-people-live-smart http://www.daveramsey.com/press-release/dave-ramsey-hosts-conference-to-help-people-live-smart Tue, 20 May 2014 13:05:41 CST New York Times best-selling author Dave Ramsey will host the Smart Conference on Saturday, November 1, 2014 at Shrine Auditorium in Los Angeles, Calif. “SMART MONEY SMART KIDS” BY DAVE RAMSEY AND RACHEL CRUZE DEBUTS AT #1 ON MULTIPLE BEST-SELLERS LISTS http://www.daveramsey.com/press-release/smart-money-smart-kids-by-dave-ramsey-and-rachel-cruze-debuts-at-1-on-multiple-best-sellers-lists http://www.daveramsey.com/press-release/smart-money-smart-kids-by-dave-ramsey-and-rachel-cruze-debuts-at-1-on-multiple-best-sellers-lists Fri, 02 May 2014 14:05:25 CST “Smart Money Smart Kids” by nationally syndicated radio talk show host Dave Ramsey and his daughter Rachel Cruze debuted at number one on “The New York Times” best-sellers list for Advice, How-To and Miscellaneous, “The Wall Street Journal” nonfiction best-sellers list and “Publishers Weekly” best-sellers list. “SMART MONEY SMART KIDS” BY DAVE RAMSEY AND RACHEL CRUZE DEBUTS AT #1 ON “THE NEW YORK TIMES” BEST-SELLERS LIST http://www.daveramsey.com/press-release/smart-money-smart-kids-by-dave-ramsey-and-rachel-cruze-debuts-at-1-on-the-new-york-times-best-sellers-list http://www.daveramsey.com/press-release/smart-money-smart-kids-by-dave-ramsey-and-rachel-cruze-debuts-at-1-on-the-new-york-times-best-sellers-list Thu, 01 May 2014 14:05:56 CST “Smart Money Smart Kids” by nationally syndicated radio talk show host Dave Ramsey and his daughter Rachel Cruze debuted at number one on “The New York Times” best-sellers list for Advice, How-To and Miscellaneous. DAVE RAMSEY ANNOUNCES STOPS ON HIS FALL 2014 LEGACY JOURNEY LIVE! TOUR http://www.daveramsey.com/press-release/dave-ramsey-announces-stops-on-his-fall-2014-legacy-journey-live-tour http://www.daveramsey.com/press-release/dave-ramsey-announces-stops-on-his-fall-2014-legacy-journey-live-tour Tue, 01 Apr 2014 09:04:23 CST Nationally syndicated talk radio host and personal finance expert, Dave Ramsey, announces stops on his “Legacy Journey LIVE!” tour this fall. DAVE RAMSEY AND RACHEL CRUZE LAUNCH NEW BOOK SMART MONEY SMART KIDS IN BOOKSTORES ACROSS THE COUNTRY http://www.daveramsey.com/press-release/dave-ramsey-and-rachel-cruze-launch-new-book--smart-money-smart-kids-in-bookstores-across-the-country http://www.daveramsey.com/press-release/dave-ramsey-and-rachel-cruze-launch-new-book--smart-money-smart-kids-in-bookstores-across-the-country Mon, 31 Mar 2014 10:03:18 CST New York Times bestselling author and nationally syndicated radio talk show host, Dave Ramsey, teams up with his daughter, Rachel Cruze, for their new book, Smart Money Smart Kids. Launching April 22, Smart Money Smart Kids offers a parent and adult child’s perspective on raising money-smart kids in a debt-filled world. $54,000 In 17 Months! http://crc.daveramsey.com/?event=dspTestimony&intContentId=9479 http://crc.daveramsey.com/?event=dspTestimony&intContentId=9479 Tue, 18 Mar 2008 00:03:00 CST In total, we paid off <b>$54,000 in 17 months!</b> Thanks Dave for your ministry! The crowns you will be able to lay at the Masters feet one day will be incredible! Single Dad Now Debt Free! http://crc.daveramsey.com/?event=dspTestimony&intContentId=9474 http://crc.daveramsey.com/?event=dspTestimony&intContentId=9474 Tue, 18 Mar 2008 00:03:00 CST Dave, <b>I did it</b>!!! As <b>a single father</b> of 2 wonderful boys (ages 5 & 7), I thought it would be impossible, but 24 months later... <b>I'M DEBT FREE!!!!!</b> I Can't Wait to Lead My Own Class! http://crc.daveramsey.com/?event=dspTestimony&intContentId=10112 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10112 Fri, 20 Jul 2007 00:07:00 CST Jenna just graduated from FPU, but she's already looking forward to leading classes in the near future! We Are Now Better than We Deserve! http://crc.daveramsey.com/?event=dspTestimony&intContentId=10126 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10126 Fri, 23 Mar 2007 00:03:00 CST Our only regret is that while watching the FPU videos over and over, we realize how much stupid tax we have paid! We learned to buy only big, big bargains! http://crc.daveramsey.com/?event=dspTestimony&intContentId=10135 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10135 Wed, 10 Jan 2007 00:01:00 CST FPU Coordinators Joe and Alicia describe the blessings they have received since finding Financial Peace. I Committed My Life to 2 Things http://crc.daveramsey.com/?event=dspTestimony&intContentId=10141 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10141 Wed, 23 Aug 2006 00:08:00 CST Rick shares his testimony and journey of committing his life and being an FPU coordinator. FPU Is A Great Way To Meet New People! http://crc.daveramsey.com/?event=dspTestimony&intContentId=10142 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10142 Thu, 27 Jul 2006 00:07:00 CST The McCords attended FPU at a different church in the community and have benefited from the course in multiple ways! FPU Taking Living to the Next Level http://crc.daveramsey.com/?event=dspTestimony&intContentId=10148 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10148 Mon, 20 Mar 2006 00:03:00 CST After FPU took Stephanie's "commitment to debt-free living to the next level," she lead a course and now shares an incredible story from a couple in her class. Online Potluck Highlights http://crc.daveramsey.com/?event=dspTestimony&intContentId=10152 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10152 Tue, 29 Nov 2005 00:11:00 CST Here are a few of the stories from the celebration for you to enjoy. You can read them all by signing into the Community and entering the Fellowship Hall. No AC? No Sweat, thanks to FPU! http://crc.daveramsey.com/?event=dspTestimony&intContentId=10153 http://crc.daveramsey.com/?event=dspTestimony&intContentId=10153 Tue, 04 Oct 2005 00:10:00 CST "I am SO thankful that the course was offered at my church and that I had the opporunity to enroll." How To Help A Friend https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129793 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129793 2014-12-17 00:00:00.0 Gina in Texas is trying to help a friend who is going through financial and job difficulties. Dave gives her his take on the matter, and says the friend needs to do more to make things happen. Don't Drop Coverage https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129762 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129762 2014-12-10 00:00:00.0 Kim's daughter is having health issues. She wonders if they should drop full automotive coverage to help save money. Offered A Timeshare https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129417 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129417 2014-09-04 00:00:00.0 Jill's friends have offered her an opportunity to buy an older timeshare on the beach. See what Dave thinks. Stop Retirement, Pay House? https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129373 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129373 2014-08-19 00:00:00.0 Kaylie and her husband wonder if they should stop saving for retirement in order to pay off their house sooner. More Life Tools https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129295 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129295 2014-07-30 00:00:00.0 Cammie and her husband are trying help a young relative start his life out on the right track - again. She asks Dave for help teaching and motivating the young man. Son's First Paycheck https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129262 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129262 2014-07-22 00:00:00.0 Amy's teenage son is about to receive his first paycheck. She asks Dave and Rachel about saving, spending and teaching him to set goals. Buy the Building Now? https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129254 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129254 2014-07-18 00:00:00.0 Tucker has been in business for just over a year. Now, he has an opportunity to buy the building he's in. Ditch the Separation Pay https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129163 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129163 2014-07-08 00:00:00.0 Gretchen's husband is going to receive military separation pay. If he goes into the National Guard, they will need to repay it. Dave advises Gretchen to check into whether or not they can decline separation pay. More of a Mortgage https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129162 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129162 2014-07-07 00:00:00.0 Lindsey and her husband's mortgage payment is more than 25% of their take-home pay. They're trying to decide if they should be placing the full 15% of their income toward retirement or pay down the mortgage. Repair Now or Buy Later? https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129161 https://www.mytotalmoneymakeover.com/?event=dspAskDave&intContentItemID=129161 2014-07-06 00:00:00.0 Dave is driving a 10-year-old car with 195,000 miles on it. It needs $1,500 in repairs and is worth $4,000 or $5,000. Should he put $2,000 in the car to keep it running or buy something else?