If you read this you will be wealthy!

Ok, so you might not be wealthy immediately after reading this post, but if you take some advice from me (well, Dave Ramsey) then you yes you can have wealth!

Money - where do I even start with this topic? Money is so much more than just money. It's an extremely emotional topic, and one that I am very passionate about. I have so much to say but I thought it would be best to start with telling you all about my story and how I got to where I am today. I hope I can be an inspiration to someone out there and help you realize that living paycheck to paycheck and living in debt does not have to be a way a life. There is a way out.

Two summers ago, I met with a financial planner and was very unsatisfied with the advice he had to give me. I had a little bit of credit card debt, and he suggested cashing out my 401k that I had built up at a previous job to pay it off. I knew this advice was crap. To cash out a 401k, you basically have to pay taxes and fees that take up to almost HALF of what you have in there. I had watched enough Suze Orman in my day to know that this was a bad idea. He also told me to make sure I chose a career I liked, because people "my age" would never be able to retire. I simply could never save enough money. WHAT? Are you serious? I also knew this was crap. So, I left very disappointed and confused and mad. I was determined to prove that man wrong. When I went back to work I was complaining about this advice, when my coworker said, "have you heard of Dave Ramsey?" Nope, I hadn't. As he began to explain his ideas I thought, this man is nuts! Never ever borrow money again? Impossible. Pay cash for everything? No way. 

Well, turns out it's possible. I borrowed the book, My Total Money Makeover and read it as fast as I could. The book lays out 7 simple baby steps to financial freedom. I joined mytotalmoneymakeover.com and started on the zero-based budget immediately. I made a plan to be out of debt in 11 months. I started listening to his podcasts and completely immersed myself in all things "Dave".

During this time I had heard about Financial Peace University. It's a more in-depth program offered through local churches. I didn't really think I had any more to learn (I mean, I already knew the baby steps!). But, when I saw it was being offered at my church, I knew I had to sign up. And I'm glad I did...I learned so much more.

My first day of FPU, September 15, 2012. 

Today I am completely debt free and loving it. I beat my goal of 11 months and accomplished it in 9. I am currently on baby step 3 (building a 3-6 month emergency fund) and hope to be done with that by the end of 2014. 

If you read my recap of 2013, you will already know that this past fall I co-facilitated my first FPU class. It was such an amazing experience. I saw lives changed before my very own eyes. I saw a newly engaged couple lay a foundation for their marriage that will set them up for nothing but success. I saw single people taking control of their lives and couples coming together towards a common goal. It just makes me so excited! Starting February 5th, I'll be facilitating my first FPU on my own and I cannot wait to see what God has in store for this group of people!

If you have any questions at all, please please email me, Facebook me, comment below, anything. I asked so many questions in the beginning so I completely understand. Make 2014 the year you take control of your finances and your life!

You probably can't tell, but I am not sponsored by Dave Ramsey in any way, shape, or form. Although I probably should be...