Brought to you by the Every Dollar app. Start budgeting for free today. A lot of you calling in the last

several days have been brand new to this whole Ramsey thing, the stuff that we teach. And so it

probably is a good idea. I just decided this.

For George and I to spend a segment outlining some of the basics.

Number one, when I was 28 years old, I'm 63 now.

So when I was 28 years old, I filed bankruptcy because I'd gone into too much debt.

I lost everything and I got the opportunity to start over.

I went on a quest to learn how money really works.

Because at that point, I had a finance degree and several other letters and licenses after my name

that said I was supposed to know something about money,

but I was broke.

So obviously what I learned was wrong.

And I discovered this thing from rich old people called common sense.

And it also lined up with what the Bible says about money. Get out of debt. Live on less than

you make. Have a written plan called a budget. Invest and save. Be generous. And we've capsulized that into live like no one else so that

later you can live and give like no one else. And then we started teaching people what order to do

these things in because all these questions came up about insurance and

retirement and kids college and we put together a process called the baby steps and it became a 10

million copy book called the total money makeover teaching people how to do the baby steps also about

11 million people now have been through Financial Peace University, the class that

we teach. All of these things outline what we, the Ramsey personalities, call the Ramsey way, which is

now a proven plan to become wealthy, not only get out of debt, but to become wealthy. It is the

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