Financial Peace University – Why I Coach It (Even Though I Don’t Believe in All of Dave Ramsey’s Principles)

When Nicole and I got married, we were young, in love and … in debt.

I had a luxury lease car, a mortgage balance more than the value of my home and nearly $30,000 in student loans.

Nicole only had a $20,000 car loan. Yeah, I married up.

Needless to say, we were prime candidates for Financial Peace University (FPU). This course was developed by Dave Ramsey, the best-selling author of the Total Money Makeover. The goal of FPU is to learn how to “dump debt, budget, build wealth and give like never before.”

Dave’s book, the course and daily radio show encouraged Nicole and I to live on a monthly budget for the last 7 years, pay off all of our debt and even eliminate our mortgage by age 35.

I’m very grateful for everything I learned from Dave and his team. For that reason, I wanted to give back and pay it forward to others by coordinating Financial Peace University classes … even though I didn’t exactly agree with all of Dave’s teachings.

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Life After Dave Ramsey’s Baby Step 7

When I read the Total Money Makeover by Dave Ramsey in 2011, I knew going through all of the 7 baby steps could take quite a while. The book’s structure of saving money, paying off debt and investing was simple and easy to understand, but it definitely had some years attached to it. This was not a “get rich quick book” for sure. Nevertheless, I was intrigued and inspired to follow Dave’s 7 steps and see where it took me and my new family.

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My Credit Card Makes Me Happy

One random day five years ago, I was eating lunch at home and messing around on this new thing called an “iPad”.

Because I’m a money nerd, I went to the iTunes store, searched for personal finance and I found Dave Ramsey’s app.  Before that $5 footlong lunch, I knew nothing about Dave Ramsey.  By the time I finished my meal, I was absolutely hooked on his brand of no-nonsense debt elimination advice.

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