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Why is Dave Ramsey so angry?

I am a long-time listener of the Dave Ramsey show going back to when I first started getting fired up about being out of debt. We hit that milestone several years ago and thanks to his show being available 24x7 now on iHeart radio, I still listen often for motivation and information.

After more than 20 years on the radio, Dave is consistent with his message and his method. Quite frankly, I wonder at times if some of the people calling in with questions have ever actually listened to the show. There are certain callers that every time are ensured to get blasted as they tell about the money mistakes they have made and their non-Dave approved strategies to fix them.

Most recently I was listening when a fellow called in that was asking about what do with his car debt. As a recall, he was making less than $60,000 a year, had little savings, credit card debt, and payments on a $40,000 truck that he had purchased new. Through the radio, I could almost sense Dave’s blood pressure rise as he w…

How to cheat your wife

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I met my wife over 26 years ago as a result of a blind date and our 24 year anniversary of marriage was last week.

That simple lunchtime together led to more dates, marriage, a child and wonderful life that has had its fair share of ups and downs. Through it all, I have striven to be as good of a partner and a husband as I can. I have often failed to live up to my own standards and have tried to take in my inner lessons to be better with every year.

It is almost cliche’ for some guys to joke about having married up but I can tell you for sure that is the case for me. I often feel unworthy of this woman I get to spend my days with and want to ensure I am doing my best to live up to being the man she deserves.

This week is the start of our 25th year of marriage and a good time to reflect back on what has made our marriage a success and mistakes I have made along the way. It takes a proactive effort to live a life together that thrives through the grind of day to day living and serves…

The time is now

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The time is now


Conner is starting his final fall semester of college and will essentially be done with his degree at the end of this semester. The spring will bring his capstone class, graduation and the start of being fully on his own.

It is the dream of every parent for their child to grow up and exceed the life they have lived. We want our children to have an amazing life with a good job, a loving family, financial success, adventure, service to the community and a heart for God.

I grew up without strong dreams for all of these things and yet somehow ended up blessed to have much of them. Could I have done more and could I have been more? Absolutely! Nonetheless, we have done our best to live our lives as a positive example for our son and fully expect that he will move on to excel in his own way on his own journey.

The path to this point has not come without adversity. Conner is a survivor after having experienced the great trama of his cliff accident his senior year of high …

I am Gladiator! How to know who you are.

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Have you ever seen the movie, Gladiator? It is one of my all-time favorites and I have watched it many times. The lead character Maximus is one of those guys every man would wish to be. He is a true man’s man that is willing to die in the name of honor as he seeks to avenge the death of his beloved Emperor and family.


My favorite scene in the movie takes place as Maximus is standing in line with the other Gladiators awaiting his first fight in the grand coliseum of Rome. Slowly he rubs some soil in his hands and soon after a terrified man in front of him pees on himself out of fear.


There is no fear in the heart of Maximus. Instead, there is a steadfast resolve to face whatever challenge awaits on the other side of the gate.


Soon after the epic arena battle has been won the evil Emperor and murderer of his family asks “who are you?”


And here is his famous answer:



In many ways, I see this as a picture for the battle that is our lives. Every day we are stepping into an arena full of enemie…

Take the 30 day gratitude challenge

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"I have told you these things, so that in me you may have peace. In this world, you will have trouble. But take heart! I have overcome the world." John 16:33


Life is a series of up and downs and if you are not currently fighting a storm I can assure you that one is on the way. It is easy while in the midst of a difficult time to forget all that we have in life to be thankful.
That is one reason that for many years now I have begun most days with a mindset of gratitude. Most mornings and especially on Mondays I make an effort to reflect on the many things I have to be thankful about in my life. How can I have a bad week when there is so much good around me?
I try to affirm daily the good in my life and begin my day with thanks for what I have now and the opportunity to have even more in the future. I do this with a prayer thanking God for the present blessings in my life and for the opportunity a new day represents. Doing so only takes a few minutes of quiet reflection.
Examp…

Planning to win

Imagine you are standing at the end of a washed out bridge with people blindly driving your way all unaware of the fate that will behold them if they do not change their direction right away. You would, at the best of your ability, do all you could to get them to stop and go another way.
As a 50+-year-old genX-debt free-cancer survivor, I feel this way about many topics. Marriage, parenting, health, career, finances are all areas that by this point in life I have learned many lessons. Some through my own great mistakes and many through educated hard work successes.
My strongest obsession now for several years is a desire to retire without want. The journey began early in my working life when I first read The Millionaire Next Door. I was at the time single and making less than $25,000. It was amazing to learn at my young age that there is a path to wealth even for the average person. 

That seed of hope was small and at the time did not take full root other than to get me started on a lo…

20 Years Today

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I can still remember that morning as if it were yesterday.
I was in the shower as usual and while washing under my arm I felt a lump. After just a few moments of pressing, there was no doubt in my mind what it was.
Cancer
Cancer was not a stranger to me as I had a mole removed from my back that was melanoma five years before and my mother had passed away recently after several years of her own battle. So strong was my concern, that prior to asking Michelle to marry me I had visited the oncologist to ask about my own risks. He told me at the time not to worry and go live my life. Little did I know that this same doctor would design the battle that was to come in an effort to keep it.

I got dressed that morning without saying a word and dropped eight-month-old Conner off at daycare as if nothing was wrong. Next was a call the oncologist and a visit to hear from him.
In the exam room the dr. pressed under my arm to confirm the lump was indeed there along with a second smaller tumor. “What a…