This is the Marriage Kids and Money podcast with Andy Hill, session number 39.

This show is dedicated to helping you, strengthen your family tree, and live financially free.

Thanks for being here today, everybody.

Today's show is supported by U.S. legal forms.

When Nicole and I decided it was time to protect our family with a will, this is the resource that we chose.

The process was simple, it was quick, and it carried the same legal weight as consulting

with an attorney.

If you're married and you have some kids, I implore you to get your will set up today so

you can protect your family and ensure your final wishes are taken care of.

Go to MarageKidsandmoney.com slash will to get your family will set up today.

Again, that's marriagekidsandmoney.com slash will.

Okay, let's crack into today's exciting episode.

Six years ago, I decided to go credit card free.

I had gone through Dave Ramsey's Financial Peace University,

a very inspiring program,

where the credit card was labeled as the enemy of financial freedom since Mr. Ramsey's advice had helped

me in so many other ways in my financial life like paying off dead and making sure we had the

proper insurance coverage, things like that, I thought avoiding credit cards completely was the smart way to go.

Last year, I decided that concept of going credit card free was a little flawed, or at least

it wasn't completely necessary for me. I know there are a lot of people out there that do not have control of their

spending when it comes to credit cards or, or they use them for quote unquote emergency situations.

That was never me before I got into Dave Ramsey's teachings and it definitely isn't me now.

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