Did you ever tried to help someone financially, without giving money? As for me DR did great thing for me. I read the The Financial Peace Planner : A Step-By-Step Guide to Restoring Your Family's Financial Health. It really help me to think differently. I also got ourselves the FPU 2006. It's...

Does anyone know if Dave Ramsey offers any kind of personalized financial management tool? I'm about to graduate from college and have little experience managing my own money, so I'm looking for a program that's both educational and can help me organize my own finances (i.e. budgeting, paying...

I listen to every single Dave Ramsey podcast for many years since he is very motivating and makes time fly by really quickly while at work. There are a few things that he always says that I totally disagree with and after listening to him for so long, I believe the reasoning behind it. Here is...

Hey Everyone, I just purchased two books that Dave always recommends-Dan Miller's "48 Days to the Work you love", and Jon Acuff's "Quitter". Witch one should I Read first?

We just became DR fans. We however are both 50, so retirement and savings is paramount. We also have a 3 & 5 year old. We have no debt besides mortgage, and never had debt. We have 90,000 in IRA that I put 200 towards a month. DR said should be 750,000 in 15 yrs. Have 50,000 savings, 9000...

Finished watching lesson 3 in FPU last night. Did our first official budget. I am the nerd and I am in LOVE with that budget sheet!! I know there will be bumps in the road but we are on the same page and agreed together what goes in each enevelope. What a liberating feeling! I love DR and what...

Ok, this might get long, I have been thinking about my dilemma for awhile now and can't seem to come up with a short and sweet way of asking your opinion. So please bare with me. Oh, we loosely follow the Dave Ramsey plan. So a few years ago - after many years of not contributing to a...

As of this afternoon, we are completely debt free except our mortgage and our HELOC (which according to DR gets lumped in with our mortgage). My husband and I always rolled our eyes at people that live off credit cards and seemed to work hard only to send their money off to the cc companies...

my new envelope system! I love it. There are lots of slots for membership cards and my debit card. There are lots of sections for my envelope monies. The change pocket on the side has an accordion fold on one side so I can get my fingers in the pocket. The only thing I don't like is the...

Okay, I am new to this site and the reason I found it was because I was trying to find an answer to my scenario via search engine. Here is the situation: After a lot of work and some really tough situations, my wife is on board with the DR way of looking at finances. I had been reading his...

We are Gazelle intense and completed BS2 a couple of months ago and halted our 401k to do it...I am understanding that DR said not to start our 401k again until BS4...am I correct?

Hi all! I'm new here to FV, but I wanted somewhere to get info and share. So much is happening and I need help. First my story (a bit long): I was raised in a large family where we didn't talk about money. Sometimes we had it and my parents spoiled all of us. Sometimes we didn't and we...

I am based in Chicagoland and stumbled upon the Dave Ramsey Show when I bought my iPod and started hearing his podcasts. The message that Dave Ramsey dispenses on his show, FPU and TMM is consistent with my beliefs. I have been brought up with conservative values with respect to personal finance...

Dave Ramsey Grades -- Content:B; Delivery D- Dave Ramsey has a large reach and market. This is because of his simplistic views and despite his condescending attitude. Bottom line, no matter what he says, he is a businessman out to make his bucks. Hopefully his radio personality is not for...

I know many people who are followers of Dave Ramsey’s financial advice. Since the economy has tanked, it seems like I’m seeing even more people joining the Dave bandwagon, looking for a way out of the financial messes that they have gotten themselves into. His “Total Money Makeover” and the...

Hello. I am glad to have found this forum. Can I vent for a minute or ten? I need a little advice about starting FPU: 1. Should I start if my husband isn’t on-board? Will the FPU process help bring him around or will it make the rift between us worse? After you read below, you may recommend...

We use a similar envelope system to that described by Dave Ramsey. Each week we diligently fill the envelopes with the budgeted money for each category. When it is gone, it is gone until the next week. I am proud to announce that this week for the first time...we have a little money left in a...

Ok, I am almost finish reading Ramsey's book, Total Money Makeover. Once I started reading I didn't want to put it down. I am so ready for this. This is where I need help. I am starting my EF of $1000.00. Got $150.00 so far. While saving for that I got all my bills together. Here there are...

If your husband is not on board with frugal living and getting out of debt, and you can swing $30.00 without breaking the bank, then let me encourage you to beg, plead, cajole, demand, cry, withhold favors and generally become the worst nightmare of his life UNTIL he watches the Dave Ramsey Live...

Dh and I are taking The Financial Peace Universtiy course at our church..we just started last night and so far I am impressed... Anyone here who has taken it have any thoughts good or bad??? Thanks!!