2. Dan James Dallas Center – Grimes HS

3. Daveramsey.com

4. Who is Dave Ramsey? Host of Dave Ramsey Show Straight answers; keeps it simple Author of Multiple Books Total Money Makeover; Financial Peace University Financial Peace University 13 week course for adults Others Entre Leadership, Live events, HS Curriculum

5. Pick your Future?! Example A 35 years old; Married and 2 kids 2 car loans $50,000 Student Loan Debt Boat (with a loan on it) No college savings for kids Roth IRA – each put in $100/month Emergency Fund – What is that? Revolving Credit Card Debt of $3000

6. Example B 35 and married with 2 kids No Student Loan Debt You drive PAID for Cars Your home is paid off – NO MORTGAGE Max out Roth IRA (currently $5000/yr) Monthly contributions to kids college You have a boat – just no loan 6 months emergency fund No Credit Card Debt – (Don’t even have one)

7. Society tells us…. Always have a car payment Extend the Mortgage out – need tax break Compete with friends/neighbors NOW – we don’t think of retirement

8. Ramsey tells us Pay cash for cars No credit cards You don’t have to worship FICO score Mortgage – is it a great tax break – NO! Save $ Live on less than you make Set up a monthly budget

9. Debt Free Friday Callers call in to show and share their stories of becoming debt free Students love it. They may not totally understand sacrifices made but starts some very good conversations My favorite one!

10. The Curriculum Videos http://www.daveramsey.com/school/foundations-samples/ Workbook Worksheets Tests and quizzes State Standards and Benchmarks Daveramsey.com/school/foundations-standards/ Increased our numbers in class

11. Dan James djames@dc-grimes.k12.ia.us