Thank You, Mr. Ramsey

Dear Mr. Ramsey, A little over a month ago you came and spoke at my church.  While honored and a tad bit starstruck by your presence, I have a bone or fifteen to pick with you. First of all, my life is drastically different since you visited the windiest city in America.  After your first talk, my husband came home and decided that we should cut up the one credit card we use.  Do you know what that means?  It means that we won’t be earning our frequent flyer miles when we use it.  What will happen instead is that we will only spend what we have and then have so much money leftover that we can actually buy plane tickets for our family of five whenever we want to.  So, thanks for that, Dave. Secondly, my husband asked his accountability partner if we should sell our very nice, paid-for vehicle to liquidate some funds to pay down our debt.  This financial guru and friend of ours suggested that we consider it.  The nerve.  And today, we no longer have that luxurious piece of heaven to sport around town in because we did indeed sell it.  Our rear ends will not be warmed by it’s heated, leather seats, nor will we have the lumbar support that every human needs.  Instead, we’ll take a large chunk of the profit and pay off a credit card that has been hounding us for a year.  Oh, and we can’t forget that we’ll be using $400 of that money to purchase a 16-year old car for my husband to drive around in.  What was going to take us 2 years to get out of our total debt will now only take us the next 12 months.  So, yeah, Dave, thanks for that, too. Lastly, we are paying cash for everything now.  Do you know how embarrassing it is to take your envelopes to the bank when you are withdrawing your grocery money?  Do you know what it feels like to have people look at you like you are crazy when you keep whipping dollars out of your wallet?  Huh?  Yeah, it’s pretty humiliating to have all that cash around for people to see.  Pre-shate that, Dave. In closing, Mr. Ramsey, I want you to know that your concepts and beliefs about financial freedom have infiltrated the Beall family to the point where even our children are noticing. In fact, when we told our 10-year old son that we would not purchase a car for his 16th birthday but instead would only match him what he has earned up to that point, he immediately wanted to take his money to make a deposit into his savings account.  So, yeah, Dave, you’ve really messed with all of us. And because of all of that, we will one day live like no one else. And I can’t thank you enough for it, Mr. Ramsey.  I honestly can’t. Sincerely,
Cindy Beall

17 thoughts on “Thank You, Mr. Ramsey”

  1. Love it! I’m an FPU leader and can’t tell you how blessed I am to interact with so many people who could write this exact same letter, not to mention how blessed I am that we had been applying these principles for years when our lives became chaotic last fall. God, in all of His goodness, knew what was ahead and had prepared us. Thanking Him for His kindness and also for equipping Dave Ramsey. Both have changed my life!

  2. Cindy,
    Eight years ago we started on our FPU journey! I can tell you that living like no one else really takes courage but it can be done and the rewards are great! Hang in there! We only have our mortgage now. Those teenagers of ours have learned a whole new way of thinking about money than most of their peers. They have seen Mom and Dad not have a credit card and live just fine for eight years. Thanks for writing this post and encouraging others. I look forward to hearing more about your journey!!!

  3. We have been doing Financial Peace for two years now. Love it! The envelope system will change your life. 🙂

  4. I love it! Tanner and I started FPU since the Dave Ramsey series and it’s really opened our eyes!! We’re learning a lot and making progress with our finances, YAY!

  5. Love Dave Ramsey, but my husband is more financially concervative than he is because Rick was raised by depression-era parents.

    And just in case many of you didn’t know, most credit unions offer checking accounts paying a tad over 5% interest? Yep, they do! There’s just a couple of things you have to do to get that (get statements electronically, 12 debit card transactions per month and at least one auto deposit or auto withdraw per month). We took a CD that matured and dumped into our checking account because it’s getting twice the interest than it was as a CD. Check it out!

    I gotta say, it’s pretty bizarre to see that amount in the checking account!

  6. Thanks to LifeChurch and Dave Ramsey, we have downloaded these talks and just did week #2 of the Life.Money.Hope series yesterday with our first FPU class being this summer…Dave (my husband) and I are getting gazelle intense and I can see a light too at the end of our tunnel and we are pumped!
    So…I’ve completely changed the way I eat AND the way we spend our money in a very short months…crazy!

  7. Chris and I will be done with the house in 4 yrs thanks to Dave. Can’t wait to have the option to be a stay-at-home mom!

  8. I’m leading FPU starting this Thursday. Can’t wait! I started listening to Dave 3 years ago before I had debt. I got so fired up about it, I went and bought a car and house just so I could do the debt snowball with everyone else. Uh, probably not what Dave had in mind…but oh well. Gazelle intensity, people!

  9. Amen to that!!! We haven’t taken it to the cash level, but we have no debt!! Praise God! Allowed my husband to start his own business and God is blessing him in it! Now to teach the 3 year old what that means!

  10. We are doing the Takle-ized version of FPU, if ya know what I mean. We do use our credit cards, and we pay them off monthly. The FPU/Beall way is best. No doubt.

  11. Love your letter–we actually closed out with it at Life Group (FPU) last night. Thanks for the fun and truthful anecdote–it was PERFECT!! We are all realizing the importance of handling our money instead of letting it handle us.

  12. I still can’t believe we’re not doing the same thing with our house. Well, give it time. So glad we get to do the FU thing with ya!

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