In 2009, my way of looking at money dramatically changed. My wife, JoAnna, who has always been a frugal woman and the kind of wife any man would pray to marry, could clearly see the shift in my priorities. Despite making more money in 2009, than in any previous year, our finances were still a mess. We had plenty of debt and couldn’t see any real way out in the short term. Although we never asked for advice or help, somehow we managed to pay all the bills.  This was probably due to a sizeable dose of luck and a little bill juggling.

  Finally at the age of 38, I became sick and tired … of being sick and tired. I was determined to start becoming a Real Man with Money. Fortunately, I stumbled across Dave Ramsey, author of the Total Money MakeOver, on late night radio. After listening for several months, I committed myself to reading his book. His common sense, easy to understand approach really appealed to me. I decided I would no longer listen to friends, family, or strangers who were broke and deeply in debt about what I should be doing with my family’s money.

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