Dave, thanks for coming by today.

You know, people across the country know you as the guy on the radio, 20 million people

listening.

We got a thousand team members that work here.

It's a $300 million a year business, but what a lot of people don't know is how the business

actually got started, and I would love it if you'd tell that story today. Well, when we were going broke, I was studying biblical finance, studying what the Bible says about money. And I was praying, okay, God, is this like something I'm supposed to teach at church? Or am I supposed to do something with this in the marketplace? Because I lost my career. I wasn't able to buy and sell real estate. and so how am I going to do something with this in the marketplace because I'm you know I lost my

career I wasn't able to buy and sell real estate and so how am I going to make a living and so forth so

you know I'm spending time in prayer and I felt like God saying okay you're going to help a whole lot of

people with this pain I went okay all right and so I put a little ad in the newspaper that said we

stopped foreclosures and people would would call up, and I would go, and I went and rent a little office, and I would go meet with them, and sit down, I stopped their foreclosure and do their budget and work with their creditors and all that stuff. And I charged them like $750, you know, a lot for broke people.

I mean, you know, how do you get paid by broke people up front?

You know, so, yeah, it was not easy.

It was hard.

And but I didn't, it was just fresh out of the bankruptcy.

And I looked up about four months later and I wasn't doing enough clients to even cover

the overhead.

So I ended up having to close that.

Did you just like stop real estate one day and start that full time?

Yeah, as soon as I started getting some clients, I went and went and rented to office

and decided I'm going to do this.

And, you know, I'm a financial coach now.

I'm going to help people stop foreclosures.

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