This time for me, I decided to listen to Dave Ramsey's radio show, if you've never heard of him check out daveramsey.com, you won't be sorry. I actually decided to listen because of a news feed item from his Facebook page about interviewing his daughter. She's developed a program for college students, to help them learn about finances and manage their money.
The product just launched today, and while I'm glad, because I'm sure it's an amazing program, I wish I had been able to get that information when I started college. Instead I'm now at the end of my college career. I whole heartily recommend that if you've got a high school graduate you're trying to find a gift for that you check out this product, especially if they are headed to college in the fall! You should be able to find it pretty easily on Dave's website. It's called "The Graduate's Survival Guide."
No matter if you buy it or not, if you check it out, let me know what you think! If you don't have a graduate that you are desparately searching for a gift for, but you are desparately having trouble with finances, Dave Ramsey has several solutions for you.
In fact, I first heard about him a few months ago when my step-dad brought home Dave Ramsey's book, The Total Money Makeover Workbook
. I was interested right away when I saw it sitting on the living room table, and my mom got right to work reading it and putting Dave's plan into action to get out of debt. I myself can't wait to start on his 7 Baby Steps to financial peace.Wow. Sorry I got off on a little bit of a tangent there. I'd really like to finish my story. After I listened to part of Dave's interview with his daughter I started searching around on the website for more information about the program for high school graduates and found Foundations In Personal Finance
.If you look around on there a bit you can find the first chapter of this program for free. I watched the videos, then checked out the other things I could look at. I came to the realization though, while watching the videos, that it doesn't matter how much you make. (There is an exception here for those in poverty.)
The majority of us can easily live on or below what we make. If we needed to, we could make sacrifices if a life threatening situation came along that we had to do something about. It's not how much money we make, it's how much money we spend that gets us into financial trouble - for the most part.
I've seen or at least heard about celebrities, and others who we believe to have more money than we could ever dream of, stealing or becoming broke. How does this happen? They spend more than they can afford to, just about everyone does. Dave's program though is about getting out of debt so that the large amount of money that's flying out the window right now (for your house, car, credit cards and furniture) can be saved and invested, and grow to become an emergency fund, a savings fund for the Kindle or whatever else you've had on your wish list, and a great big retirement fund that depending on when you start and how much you contribute to it could grow to millions of dollars!
What's funny though, is through my little internet adventure today I related something Dave said in one of the videos to something I've heard a lot from what I've been reading and listening to about health. Yes, I somehow connected finances and health in my head. I'll leave you with this little nugget:
(something along the lines of..)
Dave: you can't expect to be financially secure if you don't SAVE.
Me: you can't expect to be healthy if you don't eat your FRUITS and VEGGIES!!
Live Passionately!
Brandi
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