We’re part of the cult….or maybe I am part of the cult. You may have heard of Dave Ramsey. We have become best friends. Actually he would probably yell at me for all the stupid financial decisions I made in college but now I think he would be on my side. That is basically because we are now doing things his way. We have known about his getting out of debt “baby steps” for a while but now we can officially say we have “bought the book.” One of my new favorite stores, Mardell’s, had it on sale for 7.99. Since it has been on the best-seller list and is regularly priced 24.99, it was a steal…especially since we are trying to get out of debt.

In case you are not familiar with the principles of the Total Money Makeover, its fairly simple. You start a small savings, you pay off all your debt, you never take out another loan, you start building retirement, you start a college fund for your kids, you pay off your house, then you give as much money away as you can to bless others. His plan is more detailed than that and it really does make sense. Dave Ramsey is a guy who made multi-millions, lost it all and has now worked his way back up to multi-millions. For now, I will trust his advice.

btw, I do not really think it is a cult. You just have to have, as Dave puts it – Gazelle Intensity…whatever that means.

~JK