On our last focus on the family, financial expert Dave Ramsey shared this bit of wisdom.

The flow of money in a family represents the value system under which that family operates.

Jesus said it this way. He said, where your treasure is, your heart will be also. So what you do with money

screams loudly who you are. Well, what passion and conviction there? And today you're going to hear

more practical biblical advice from Dave Ramsey. This is going to apply to your situation, whether

you're single or married with children or without children.

Welcome to Focus on the Family with Jim Daly. I'm John Fuller.

John, last time Dave spoke about two different money personalities. The free spirits and the nerds,

I think you know which one you want to be in, but you often have one of each in a marriage. And he explained how you can avoid

conflict with some simple budgeting ideas. And we know here at Focus, we get a lot of people

writing in about the conflict in marriage around finances. In today's message, he's going to turn a

corner and talk to single folks about

some of the financial landmines that they particularly struggle with, like my mom, who, as a

single mother of five kids, was working two or three jobs just to get by, but also had a hard

time saying no to guess who, yeah, her little Jimmy.

I was a bit spoiled.

Well, those are hard circumstances, especially around the holidays, and Dave will have some encouragement.

He's also going to share some intriguing ideas about teaching your children how to handle money a little bit later on.

Now, if you're not familiar, Dave Ramsey is a best-selling

author. He's a radio host, very popular, and he's been a very good friend to this ministry.

He's been here a number of times, and it's a privilege to present the second half of this segment.

It comes from his nine-week video series, Financial Peace University.

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