Dave Ramsey


Dave was an answer to prayer!

January 2017 will be the one year anniversary of my husband and I discovering Dave's FPU. My husband and I make between $113,000 and $120,000 a year depending on his bonuses earned, and we have two children ages 4 and 2. Up until January 2016, we had been living beyond paycheck to paycheck, pulling from savings each month to cover expenses. We would get our tax refund each year and then use it to cover whatever expenses our monthly income wouldn't cover throughout the year! It was horrible, and I literally would be sick each month paying bills. My husband and I had been praying for a little over a year for an answer. Over Christmas break (I'm a teacher) 2015, an ad for FPU popped up on my Facebook newsfeed. As I read through testimonials, God brought Deuteronomy 28:13 to my mind which states that as believers if we follow His commands He will make us the head and not the tail. I told my husband I AM DONE BEING THE TAIL! We are supposed to be the head, not the tail! And we ordered the FPU home study kit. Fast forward almost one year later, and our situation is completely different. We started with about $113,000 in student loan and car debt (2 cars). Following Dave's plan we have reduced our debt to about $84,000 - and we have budgeted to pay off the rest of my car loan ($3,000) by the end of the year. So one year into FPU, we will have paid off about $32,000 in debt. We are so thankful that God is answering our prayers. He is faithful and He provides.

Dave Says - December 5, 2016

I'm 38 years old, and I've got $12,000 in student loans still hanging over my head. It's the only debt I have. I make $30,000 a year, and I've managed to save $12,000, but I'm also driving a junky, old car ...


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