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“I always thought I could outearn our debt,” Ross said.
Ross and Terre thought they were living the American dream. They had a beautiful home, nice cars—even a boat for summer adventures on the water. But in reality, they were carrying 12 maxed out credit cards and swimming in debt.
Not long after they started to wonder how they could ever afford to retire, Terre got injured. She couldn’t feel her limbs and she couldn’t walk. “Everything fell apart,” said Ross.
They weren’t thinking much about their finances when a coworker told them about Dave Ramsey. Ross was focused on helping his wife recover, but they both decided they were sick and tired of debt and something needed to change—especially since they were facing so many unexpected medical bills.
They knew they needed to cut back expenses, and that was the first step down a long journey that radically changed not only their finances—but also their whole story.
“Life is not predictable,” Ross said. “But certain things are when you’re in control of your money.”
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