Baby Step Two, DONE!

Success has been achieved!  A mountain has been scaled and a once inconceivable objective is now marked done and DONE! Debt is largely accepted as normal and we’re so easily swept into that mentality.  Often we’re so numbed to debt as normal that thoughts of getting out of it don’t surface until it’s too late.  Getting out of debt then becomes an impossible task.  It is overwhelming. ...

Baby Step Seven – Save, Invest, and Get Rich

Welcome back to my continuing break down of Dave Ramsey’s Baby Steps.  These are the steps he teaches in his books, and radio and TV shows to millions willing to listen and follow his advice. I personally find these steps simple and easy to follow but also elegant and effective. In previous installments I covered: Baby Step 1 – $1000 Emergency Fund Baby Step 2 – Pay-Off Debt Smallest Balance...

Baby Step Six – Pay-Off the House

Welcome back to my continuing break down of Dave Ramsey’s Baby Steps.  These are the steps he teaches in his books, and radio and TV shows to millions willing to listen and follow his advice. I personally find these steps simple and easy to follow but also elegant and effective. In previous installments I covered: Baby Step 1 – $1000 Emergency Fund Baby Step 2 – Pay-Off Debt Smallest Balance...

Baby Step Five – College Savings

Welcome back to my continuing break down of Dave Ramsey’s Baby Steps.  These are the steps he teaches in his books, and radio and TV shows to millions willing to listen and follow his advice. I personally find these steps simple and easy to follow but also elegant and effective. In previous installments I covered: Baby Step 1 – $1000 Emergency Fund Baby Step 2 – Pay-Off Debt Smallest Balance...

Baby Step Four – Invest for Retirement

Welcome back to my continuing break down of Dave Ramsey’s Baby Steps.  These are the steps he teaches in his books, and radio and TV shows to millions willing to listen and follow his advice. I personally find these steps simple and easy to follow but also elegant and effective. In previous installments I covered: Baby Step 1 – $1000 Emergency Fund Baby Step 2 – Pay-Off Debt Smallest Balance...

Baby Step Three – 3-6 Month Emergency Fund

Welcome back to my continuing break down of Dave Ramsey’s Baby Steps.  These are the steps he teaches in his books, and radio and TV shows to millions willing to listen and follow his advice. I personally find these steps simple and easy to follow but also elegant and effective. In previous installments I covered: Baby Step 1 – $1000 Emergency Fund Baby Step 2 – Pay-Off Debt Smallest Balance...

Views of Money – Part 1: Objective Setting and Simple and Advanced Cash Flow

Money is important.  It is the lifeblood of our society.  It is our economy.  In the context of our modern culture it is a requirement for our day to day living.  If you doubt this notion, imagine yourself penniless for the next 30 days. Money also is dynamic.  It is huge in the context of government spending programs or corporate initiatives.  Equally so, it is small measured against our next...