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.
Find a tax professional that you can trust in your area to help you get more of your money in your pocket!
Paying someone to do my taxes was easily one of the dumbest money things I’ve done. I still had to spend just as much time collecting paperwork, explaining it to the CPA, corresponding with them – and I could’ve done as good if not a better job. The more you know about taxes YOURSELF the smarter you’re going to be with them throughout the year. The only thing hiring a CPA did for me was cost nearly $400 and teach me a valuable lesson that this advice is rubbish.
Now, with regards to trying to maintain a even “balance” with the government and not get a refund: just note that if you screw up and end up not paying enough taxes throughout the year the government will charge YOU interest (in the form of a penalty) and it will definitely be ABOVE AND BEYOND what you’d get in interest. I’ll take a small refund over a tax penalty any day.
I have never thought of looking at taxes in this way! One thing for us though, we had a huge loss in our investments back in 2008 in that crazy crash thing, so from that, on our taxes we have a deduction that is up to a certain amount for the next several years, so it makes it where we do have a pretty good refund. Other than that, I don’t know how much of the refund is not related to the investment loss and if that can be tweaked. Thanks so much as I will ask our CPA about this. We have to have a CPA, but it is affordable, as with the loss we take every year from that 2008 investment crash, I am afraid of doing it myself.
So I guess I am just saying, sometimes there is a refund that is the result of a huge investment loss from years past that each year is shown as a deduction if that is the right way to say it.
I would like a better explanation for why to do this?