dave would be proud

DAVE WOULD BE PROUD
oh i said you took his class
no
oh then you read his book
no
oh then you listened to him on the radio
no
but she said i know who he is
thats dave ramsey the financial guru

so i asked how did you know how to do all of this

just stop a minute and visualize this
you got married a year ago
just finished college a year ago
your husband just graduated from college this year
you have been in the work force for only a year
neither family is wealthy
ie you arent a trust fund baby
you just built a house for cash

in two years you will
own your own house with no debt on it
own both your cars
having paid off two vehicles
have your emergency fund for several months
to withstand a financial crisis
have a 401k at work
you built the house yourself with friends and familys help

if you invested 15% in your 401k with no employer match
at 5% return
at retirement you would have close to 2 million dollars
easily obtainable

future multimillionaire you would be

you and your spouse are only 23

well
no way you would say
that  doesnt happen any more
well
it did
and
its happening now

so how did this couple do it
they set down
discussed it
this step above is missing from many marriages
read books
watched videos
turns out they did the dave ramsey method without
having read any of his materials

they removed all of their credit cards
clip clip into the shredder
a cash only family
including all the home construction
they stopped the school loans and did a cash only schooling
her school was paid for with scholarships and supplementing
with work and cash
no school debt for her when she graduated
her occupation was highly sought after
instant employment after graduation
he finished school with $20000 debt
all occurred before the marriage
remember you inherit your spouses debts
they worked hard during his final schooling to pay for it

a cash only family was born
dave would definitely be proud

this all sounds like the american dream

tomorrow
their house

the proud uncle organicgreen doctor