Dave Ramsey is America’s trusted voice on money and business. He’s authored seven national best-selling books: Financial Peace, More Than Enough, The Total Money Makeover, EntreLeadership, Dave Ramsey’s Complete Guide to Money, Smart Money Smart Kids, and The Legacy Journey. The Dave Ramsey Show is heard by more than 12 million listeners each week on more than 575 radio stations and digital outlets.
As a seasoned communicator and Ramsey Personality, Rachel Cruze has been speaking to groups as large as 10,000 for more than a decade. The daughter of Dave Ramsey, she joined Ramsey Solutions in 2010 and uses the knowledge and experiences from growing up in the Ramsey household to educate others on the proper way to handle their money wisely and stay out of debt. Rachel co-authored the #1 national best-selling book Smart Money Smart Kids with her dad. Her new book, Love Your Life, Not Theirs, releases October 2016.
A popular and dynamic speaker on the topics of personal finance, retirement and leadership, Chris Hogan helps people across the country develop successful strategies to manage their money in both their personal lives and businesses. He is the host of the Retire Inspired Podcast and the author of Retire Inspired: It's Not an Age; It's a Financial Number, a #1 national best seller. For more than a decade, Chris has served at Ramsey Solutions as a trusted financial coach and Ramsey Personality.
Chris Brown is a nationally syndicated radio talk show host, pastor and dynamic speaker carrying the message of stewardship and intentional living nationwide as a Ramsey Personality. Available on radio stations across the country, Chris Brown's True Stewardship provides biblical solutions and sound advice for questions on life and money. Prior to joining Ramsey Solutions in 2014, Chris spent seven years leading many to Christ while growing churches in North Carolina and Florida. Chris and his wife, Holly, live in Franklin, Tennessee, with their three children.
An inspiring and enthusiastic presenter, Christy Wright has spoken to groups of thousands at corporate events, women's conferences and some of the country's top universities. Christy is also a certified business coach whose direct and genuine presentations cover a range of topics from business and money management to personal development and goal setting.
At age 19, Anthony ONeal was deep in debt and short on hope with no direction of where his life was headed. But after hitting rock bottom, he turned his life around and committed to helping students find and pursue their passions. Since 2003, Anthony ONeal has helped thousands of students succeed with money in their work and personal lives. Now Anthony has joined Ramsey Solutions to spread this encouraging message to students nationwide as a Ramsey Personality.
Home ownership is part of the American Dream, right? But that dream can quickly turn into a nightmare if you aren’t prepared for a mortgage and everything that goes with it.
My wife and I have been married 8 years and are buying our fourth house. Our experience has taught us that your method is spot on – whether this is your first house, fourth house, or your fiftieth house! Common sense isn’t so common anymore…especially in the real estate market. Thanks for sharing your wisdom.
Hi Rachel, I’ve been listening to the Dave Ramsey show for a little while now but haven’t come across an answer to my situation. I’d like to build a home which will cost about $280K then i would have to furnish it with all the details and I’m sure that will be another $20k or so. I rent now from my folks who give me a break at $150 month to help me save. It’s basically paying my share of the monthly bills. I make $60K gross annual. No car payments and no outstanding credit card debts but i do purchase most everything on the card but pay it off monthly. ( I get 1% back this way). I own a duplex that I rent out and it does well and has $50K left on the mortgage. Also a 401k worth about $150k that i contribute about 6% every pay period. The “Ramsey” rule of thumb is to not get in a mortgage that is more than 25% of monthly take home pay but I have $30k for an emergency fund and another $190K for whatever. I was planning on using half of that $190k and getting a mortgage for the rest. I am 47 years old and didn’t want to sink all my money all at once since I am getting older and don’t know how much I would need for retirement, medical bills, etc. What is your suggestion?
At age 50 and not homeowners, is it too late in life for me and my husband to work toward that goal or could it be a profitable investment or potential inheritance for our children. Keep in mind that we still have two children to assist through college.
Thank you so much for these tips! I’m renting right now and keep going back and forth about buying. I feel like I will be able to afford the mortgage, but that’s it. I fear I won’t be able to afford house-upkeep costs that are usually covered by a landlord.
Hi Rachel, I am 63, live in California, divorced and my rent is very expensive, it is going up $250/mo. I’m thinking of using some retirement for a down payment on a condo, what do you think. I can’t afford high rent once i retire in 5 or 6 yrs.