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by
Dave Ramsey
Started reading
December 1, 2020
By the next Christmas we had surpassed our goal and paid off $14,000.
Chance decided to turn things up a notch and took a second job delivering pizzas five nights a week. It was a crazy schedule, but we were attacking the debt! We accepted The Total Money Makeover Challenge as a way to keep us motivated.
debt-free
Not only were we debt-free, but we had our full six-month emergency fund.
“attaboy”
we were the winners of The Challenge.
final...
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But what’s bigger than the big check we received is the change in our lives.
Like Dave says: when you live like no one else, you really can live like no one else.
We still use that old Christmas tree. It has become a symbol of what we’ve accomplished, who we’ve become, and how we’ve changed our family tree.
Dave once signed our Total Money Makeover book with Romans 12:2: “Transform!” By following Dave’s plan—which is really God’s plan—that’s exactly what we’ve done. It has been an amazing f...
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We want everyone to know they can have financial peace. We share our story in hopes that others will see it really is pos...
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Kimberly and Chance Morrow (both 40) Stay-at-Home Mom; Cable Technician
America’s trusted voice on money and business, Dave Ramsey is a personal money-management expert and extremely popular national radio personality.
He’s authored four New York Times best-selling books—Financial Peace, More Than Enough, The Total Money Makeover, and EntreLeadership.
The Dave Rams...
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Millions of families have benefited from attending a Financial Peace University class or one of his many live events.
age, for starting Makeover, 148–149
Eternity,
Allocated Spending Plan worksheet, 212–216
American Bankruptcy I...
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annual percentage rate (APR),
autos. See cars
baby life insurance,
Baby Steps, 88 order of, 90 1. starter emergency fund of $1000, 97–103 2. Debt Snowball, 106–111 3. emergency fund for 3 to 6 months of expenses, 124–127 3b. down payment savings, 137–138 4. investing for retirement, 143–144 5. saving for college, 156–158 6. home mortgage payoff, 168, 179–180 7. wealth building, 181–182 7b. Pinnacle Point, 187–189 back-end penalties, on car loans,
bad credit, in credi...
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balloon mo...
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bankr...
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barter, black-market system,
behavior,
Bible
Bible
Bible
borrowing. See also credit cards; loans; mortgage
brand loyalty,
Breakdown of Savings worksheet,
bu...
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Monthly Cash Flow Plan,
J. Morgan,
time for planning,
Buffett, Warren,
cars
cash
cash advance,
cash value life insurance,
Certificates of ...
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children, character
Christmas,
collectors,
college education