There is also a program he offers for teens. I have just started teaching that class for the teen Sunday School class at my church. This Dave Ramsey course entitled is called Generation Change. I am very excited about teaching this. As I go through this material, I am reminded of how my own generation grew up as the era of credit was beginning. These teens I am working with, have never known anything different. They (and many of us brainwashed adults) feel it is normal to charge everything in our lives. My grandparents and parents paid for everything in cash. Nowadays, that seem like a foreign idea. But it is the smartest thing you can do.

Hopefully, we are beginning to wake up and take our lives back from the creditors! I challenge you to become part of the Generation of Change. Find a financial class to get you on track. Read a book. Do something to get your financial life back on track. When your money is out of control–so is the rest of your life. Find a Dave Ramsey class and the Sunday School material I mentioned at his website daveramsey.com.