Shannon and I came across Dave Ramsey a few years ago when we were starting to go down a slippery slope financially. Dave Ramsey changed our lives. Since then we have saved a small emergency fund, gotten out of debt (I know it’s hard to believe…but we don’t have car payments), and been able to help others do the same. We love to buy his book and give it out to whoever we can. The following is a short video that explain Dave’s principles. Check it out and then check him out.