Six months ago, even with a six figure combined income, we were in debt and routinely ran late on all our bills. Today, we are successfully budgeting each month and telling each dollar where to go. In addition, we have an emergency fund and are building our debt-reduction fund. In fact, we've already begun settling some of the old debts and are well on our way to becoming debt-free! We have greatly benefited from your coaching. You showed us how to set up the monthly budget, and as unexpected expenses came up, how to re-allocate the funds to cover them without going over budget. You also passed along great suggestions for saving money. As we made mistakes, you helped us to get back on track. You helped us deal with creditors and also helped us cope with the guilt and fear that goes along with being in debt. We couldn't have made it without your encouragement! We truly believe that God sent us to you. This has been a life-changing experience, and we are beginning to feel the wonderful financial peace that Dave Ramsey talks about.