Nerd post alert.
When I was just barely old enough to start babysitting, I decided I was going to use my income to buy a car. My motto was literally, “Should I go to a movie now, or buy a car later?”
And you know what? It worked! I ended up buying a car from my parents when I was 16. I’m pretty sure I way underpaid them, but that experience taught me a lot about what it means to save up for major purchases.
I was fascinated by compound interest equations in math class. I actually enjoyed reading articles about credit cards, retirement, and mortgages. See? I’m a nerd through and through.
So, for most of my life, my financial philosophy has been to work hard, save a bunch of money, and avoid debt. This thought process has helped me make many decisions; along with the guidance of my most significant financial influence: Dave Ramsey.
I first discovered Dave shortly after Eric and I were married. I had won a copy of his book at a church event, and I think I read through it in just a couple of days. I love that Dave makes finances make sense. He explains things in a way that is easy to understand with a conviction that makes you want to jump all in and make finances a priority.
I’ve never been too great at using Dave’s cash system, but aside from that, I have made a habit of applying his concepts. I use a form that I slightly modified from Dave Ramsey’s book when creating our budget each month. When Eric and I are making important financial decisions, I peruse Dave’s website for any information pertaining to that particular topic. I get all of his newsletters and love listening to the countless stories of people becoming debt free. Dave has created a community of people who support and encourage each other in their financial journey. I am forever grateful for all the wisdom his books and website have bestowed upon me!
At one point, I had aspired to work for his company. It was my dream job! What could be better than helping others learn how to live in financial freedom? I actually met him once at a conference. I stood in a long line intended for acquiring an autograph, and when I finally got to Dave I asked him, “Do you have any job openings in North Carolina?” Unfortunately, the answer was “no”. There were positions available in Tennessee, but since Eric and I are called to the mission of Daystar, that simply wasn’t going to be an option. Ends up, that for me, what’s even better than helping people find financial freedom, is helping people find freedom in Christ.
I am so thankful to have found Dave’s resources. It has helped Eric and I have a firm foundation for our marriage! We have used his advice when it comes to investing, saving, and budgeting. The resources on his website helped us determine that refinancing from a 30 year to a 15 year mortgage was going to be a no-brainer for us.
Thank you Dave and team for your message. You are truly helping people change their lives for the better!