"If
you will live like no one else, later you can live like no one else
If you know who said this, you know the journey Chad and I
are embarking on. If you don’t, here’s a hint:
Its Dave Ramsey.
If you don’t know who he is, you’ve probably not been
watching much news.
Dave Ramsey is the writer of “The Total Money Makeover”.
He wrote it to show his plan (tested by his very family) to
get out of debt and build wealth.
Have I lost you yet?
No? Ok good.
Chad and I are still newly married. We are also newly out of
college as of May, meaning that November is looming ahead of us.
What’s in November?
The end of our student load “grace periods”.
Meaning a LOT of our take home pay is going towards paying
off the debt we acquired while attending college.
Let me say that again…
A LOT of our take home.
As in, half of my yearly paycheck is going to pay off money
we owe.
In case you haven’t guessed, that’s not exactly a comfortable
place to be in.
It’s actually quite a bummer.
We have a LOT of things we want to do and places we want to
go, but until at least a big chunk of that is gone, there will be no
vacationing and no home purchasing.
Which brings us back to the Total Money Makeover.
This book outlines Dave’s plan to get towards our goals of adoption, travel and owning a home.
Which involves first some pretty “radical” principles, if you
think in today’s world view, of money management.
We are only through the Intro and first two chapters, and I can
already tell we are in for quite a ride.
With a spouse who has degrees in Business AND Economics, I
can already see him and Dave butting heads.
Since he has already refuted some of the things we have read.
Neither of us are discounting Dave’s principles, but I would
say Chad is a little more skeptical than myself.
So, keep us in mind the next few weeks as we read and wrestle
with this thing called money.
So what about you?
Have you done the makeover?
Does it work?
Do you have any tips for us as we take this ride?
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