Everyone should have to learn this before getting out of High school.

Single mom, widowed with 2 kids, 11 and 15. Only debt is $16,000 in student loans. Home is paid for and college loans are my only debt. Started on Jan. 3 2010 and by end of Jan, paid down loan to 13,600 and by end of February, I will pay down an additional $2,000. My debt snowball will have me paid off by no later than July 2010. These loans would have taken me until Sept. 2019, had I paid the minimum payment. I should be debt-free by late summer of this year, having paid $16,000 off in about 8 months. My income totals $4,500 per month. What I love about the envelope system is that I have scrutinized my spending and whittled away excess waste. I did the plastectomy on my few credit cards and it felt awesome. I finally feel like I have a clear cut plan for my future and my childrens. I was doing everything backwards, funding the IRA and kids college instead of snowballing the debt. I started college mutual funds for my girls when they were just weeks old...and I've funded the IRA. I was just doing everything scatterbrained and without a concrete plan. I love FPU Revisited as well as Total Money Makeover. The quality of the FPU home kit is outstanding. This is the most valuable investment I have ever purchased. Now, I can't wait to whittle away at unnecessary spending, go crazy with yard sales and soon, be completely debt free. What a great lesson to get my girls involved in the whole budget process. Thank you and God Bless!!!

I am still taking the classes, but I absolutely love them! They are funny and give valuable information. Dave doesn't talk over you head or ask you to do things that hard to do. It is just common sense stuff. I can't wait to see how I can start living my life and not have to worry about money. This was one of the best decisions I've ever made!

These teachings are the most essential and effective life lessons ever!

AT FIRST I HAVE TO ADMIT I WONDERED. BUT THE MESS I WAS ALREADY IN, I FIGURED I SPENT MONEY ON STUFF BEFORE. SO I WENT AND THE FIRST CLASS, OPENED MY EYES TO SO MUCH. I LEARNED THAT LEARNING WHERE YOUR MONEY GOES EACH MONTH IS THE BEST WAY TO LEARN HOW TO BUDGET. I LEARNED THAT HAVING OTHER PEOPLE TO BE ACCOUNTABLE TO TILL YOU COULD LEARN WAS GREAT! DAVE'S PLAN WORKS IF YOU WORK IT. IT IS THE BEST MONEY EVER SPENT!

We have struggled for years. I had been telling my husband he needs to get involved. ( I also needed to be accountable to someone). But we never got on the same page. Not long ago I asked him how much our house payment was he had no clue. I was annoyed and frankly mad that he had left all the finances to me for all these years. I felt like the bad guy all the time. He always wondered where the money went. It was like swimming upstream all the time. I got tired of it. So now we are on a budget, and I love it. I think it will help us and I want our 3 boys to learn how to live within their means. jThanks so much!!!!

We attended FPU last year through my husband's work, and paid the fee to have our 24 year old daughter attend as well. Since then, we have paid off all of our debt except our home. With the extra money we now have, we are paying extra each month on the mortgage and will have it paid off in ten years, if not sooner. Even more importantly, our daughter has adopted all of the 'good' habits, has no credit card debt, and has purchased her first home on a beginning teacher's salary. This class has impacted her way of thinking in a way that will affect her life forever. Thank you so much!

My husband and I are only 24, with a 14 month old toddler. We had no idea how to budget, and since we were young we though we had enough time to figure it all out. After having our son we decided it was time to give him the most amazing life possible. We started FPU in late 2011 and have been gazelle ever since. We have baby step one complete and almost done with number two. My husband talked a student loan from 75000 down to 5000 which we paid off with tax returns, along with a Visa credit card ($1000) We only have a small bit of debt left. It feels great, even if we are living on beans and rice now. We have dreams to one day invite our family and friends to a big bbq party in our lavish home with no debt, mortgage, and all other finances in place! Thank you Dave for changing our lives!

FPU has brought hope to my family. Although we have been working on the goal to become debt free for years, it always felt like we were not making any progress. The Debt Snowball tool opened our eyes to the reality that it IS possible to get out of debt. We are so excited to be teaching these principles to our children so that they don't fall into the same debt trap we did. The videos are insightful and entertaining, the tools are easy to use, and the entire program is easy to understand. A heartfelt THANK YOU to Dave Ramsey and his standout team for executing such a life altering line of products.

We are amazed at all the specific examples provided for us to take real charge of our finances. We chuckled when we read (and heard Dave) list the pitfalls that most people fall into because it was as though he was describing everything we did and he does not even know us!!! My husband and I are grateful to Dave and the insights he has chosen to share with us; he has provided God's scripture verses as proof that God never intended for us to be broke, yoked to debt, and living miserably. There is true freedom when we do things (all things including financial) God's way.