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.
It’s time for this month’s #askrachel! This was a great one from Facebook about budgeting for vacation (or any other fun expense for your family). Make sure to send me your money questions on Facebook or Twitter using #askrachel!
This is something I struggle with still being in debt. I understand your advice when the average is 18-24 months to get out of debt but for me its going to take much longer probably around 4-5 years and I just cant pass up that time with my kids 5 years is a lot of time to not take that special time with my kids. That being said I am not talking about 5k vacations either more modest ones for us but I just cant give up that time with my kids when I work a job and their father works two we need that time to refresh and spend time with each other.
My husband and I are still in debt too but we do things on a smaller scale for vacation. It is important to have a break and regroup but you can do stay-cations or small trips that don’t cost a lot. Recently I went to visit a friend and did it all by cash. I stayed with them instead of getting a hotel and did not rent a car. We did a few things that didn’t cost anything but gas and food so therefore we were all able to stay within our vacation budgets. The thing I am learning is that you need to have a budget and the vacation cannot get in the way of you paying down debt. You have to still be able to make the payments on your debt so you can get that snowball effect going.
I wonder about what to do when family lives overseas? My kids grandparents live in South America and the Caribbean. We field questions about visits at least twice a month if not more… most times it’s from those who have just gone to visit or are planning to visit. I was born here but my husband hasn’t been back home in about 5 years (since arriving to the US). Sometimes relatives make it seem like we don’t care since we aren’t visiting or attending the reunions or 80th birthday celebrations (which just feels horrible). So far what we’ve done is worked it out with parents to pay for their travel visas and help with their tickets so they can visit us… we are blessed to have them stay with us and our kids for a few months in the year. There is a cost associated with food etc… and activities we wouldn’t normally do plus without their visiting we’d probably live in a two-bedroom instead of a three. We are working out way out of debt on one income… no vacations in the near future. How do we tell folks to lay off the questions and the guilt trips?