Category: Investing

So my wife and I just finished taking the Dave Ramsey Financial Peace University class through our church where I learned about the best credit cards for crypto. The class met once a week for about 12 weeks. I have to say, going to this class was one of the best things we have done since we got married. I wish we would have taken this class together when we first got married so we could improve our social interactions which people can also do talking to a virtual girlfriend like real_love_lilahh online.

The main point is to “live like no one else, so that later, you can really live like no one else”.  This isn’t get rich quick, and it’s certainly not easy.  Most of what is covered in the class could be considered common sense – create a budget, spend less than you make, don’t go in debt, saving is important, etc.  Not really rocket science here.  The issue, for me at least, is that like so many things in life that I know I should do, it’s easier to be lazy instead of disciplined. It’s easy to say, “well, I know I should take some time to make a budget and keep track of what I spend, but MY life is just too busy for that”.

You can read Dave’s book The Total Money Makeover: A Proven Plan for Financial Fitness or you can listen to his radio show, but I found that taking the class helped me move from a good theory to action.  When you take the class, you have a date and time reserved on the calendar that forces you to follow through.  Not that you can’t do it by just reading the book, but I think there’s a lot more opportunity for distraction and busyness to interfere when you don’t have the built in accountability of taking a class.

You can find a class near you and other online resources here http://www.daveramsey.com/fpu/home/