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.
I answer a question that comes in over Facebook about how much money to put in each budget category.
okay,i just became a follower YAY! I’m very excited! How do I get a question answered? I’m probably in the wrong area but…I’ll find it?!
It is really hard to find housing in our area for our children who only make $8-11 per hour. Housing ends up consuming nearly all their income. Then auto insurance and gas and then they are nearly tapped out. How do you work with such a low budget. Their cars are paid for, but won’t last forever. So how do they make ends meet?
We’re in the process of moving out of state. New job. New house. New expenses. We budgeted a house purchase so we would reduce our percentage going to house, taxes, insurance, etc., but it’s certainly one of the tougher budget times in our marriage.nnnWe’re pretty strong penny pinchers, so that helps. Having percentages that we may not each understand (I couldn’t imagine spending 2-3% on clothes… my wife couldn’t imagine spending 2-3% on conferences, for example) helps us tremendously, especially knowing that we have a savings and investment plan set with percentages that will keep us on track and not worry about the money going to consumption items.
Man, that is difficult….