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As many of you know, I’m a BIG Dave Ramsey fan and his courses have greatly influenced this budgeting system. Dave Ramsey is coming to Salt Lake City to speak for the third time. I had the opportunity to have backstage passes the first two times he came and enjoy lunch with him and sit on the front row.

The first two times were for a 1-day Financial Peace University event. This time he is coming for two events:


See Dave LIVE in Salt Lake City  on 5.13.2014

Dave is bringing his event for leaders — EntreLeadership 1-Day to Salt Lake City!  This 1-day event is based on Dave’s New York Times #1 best-seller, EntreLeadership.  At the event, Dave will show you how to be the leader you can be. Whether you’re an individual who wants to develop your leadership abilities, a business or organizational leader who wants to develop your team, or an entrepreneur who wants to build a business on solid, proven principles, EntreLeadership 1-Day is for you!

We have a promo code to give you discounted seats on standard or VIP passes.   Follow the link below and enter the promo code ALPINE to save $10 on this amazing business/leadership event. The code will also waive the $5 service fee.

Hurry though, the VIP section will sell out quickly.

Order here!

See Dave LIVE in Salt Lake City on 5.14.2014

Your family tree is rooted in decisions. This is your chance to branch out and change things for your family and determine your personal legacy.

At The Legacy Journey LIVE Dave will share how to live now so you leave a powerful legacy for your family. You’ll learn how to build wealth and why it’s important, the keys to wise investing, and expose toxic beliefs about money. You’ll also learn how you can meet your family’s future needs, and reach out to impact the world around you. You’ll walk away with the practical steps leading from where you are to where you want to be.

Follow the link below and use the promo code ALPINE to order your tickets and get a $10 discount on both general admission and Premium passes.  The code will also waive the $5 service fee per ticket.  Hurry, this event is filling up quickly with less than 200 seats available in general admission.


The code will also give you a $10 discount on Dave’s EntreLeadership 1-Day event, on Tuesday, May 13, also at Abravanel Hall.

Small HouseI’m a Dave Ramsey fan.

But I don’t always follow his advice.

The part I have never followed is his guidelines for buying a home:

  1. Debt Free
  2. 3-6 Month Emergency Fund
  3. At least 10% down payment
  4. 15-year (or less) fixed rate mortgage
  5. House payments at or below 25% of monthly take-home pay

Since learning about Dave I have moved twice. Each time I was debt free, I put at least 10% down, but I didn’t have a fully funded emergency fund, I didn’t do a 15 year mortgage and my payments were more than 25% of my take home pay.

The last time we moved, we got a great deal on a foreclosure. The market was down so low that we couldn’t sell our house. So, we have been renting it the past two years.

The market has since recovered in our area and we just got an offer on that house. The equity will help us finally complete baby step 3 – the 3-6 months worth of emergency fund.

My wife and I have had some good discussions. We have run some numbers and we have decided to sell our house and downgrade (eek) a bit. This time we are determined to follow Dave Ramsey’s advice.

I love our house. We are in a beautiful area. We have perfect neighbors. We have lots of room (4500 square feet & .74 acres.). Our house has lots of upgrades. It’s basically everything I’ve ever wanted in a home, and more than I thought I would ever be blessed with.

I also love the area. It’s is a small town just outside of the city. When we originally moved here we bought less house for the money just to be in the area. There never seems to be a home for sale under $300k. If one goes up for sale, it sales quickly – like the case of our home we just got an offer on. I listed it on Zillow for sale by owner and got an offer 2 weeks later!

Our home and area we love comes at a price. We don’t take many vacations. We spend out Saturdays cleaning and doing yard work. There are not a lot of kids the same age as our children in our neighborhood. Our house is a bit dated and we can’t afford to make the upgrades we would like. Utilities & taxes are naturally higher on bigger homes. It always feels like we are one major repair away from a financial disaster.

This is a big decision we are not taking lightly. We think the pros of moving outweigh the cons. I’ll keep you posted on our journey.

High Performance Achievement - DaveRamsey.comRecently I saw that Dave Ramsey had a sale on all his audio books. I already owned most of them through Audible.com (<– affiliate link). There were a few I didn’t have: The audiobooks to the Jr. Series and an audio titled “High Performance Achievement“. I purchased both. With the sale it cost me a total of $8.00.

Last weekend I was painting my kitchen ceiling. I decided to put on the High Performance Achievement audio. I didn’t really know what it was about. It turned out to be a 30 minute training that Dave gave in one of his weekly company meetings.

He took his experience of training for and completing his first (and last) marathon and turned it into a parable for accomplishing many things in life.

It was so good I listened to it three times! It was the best way to pass the time of rolling paint on a ceiling.

While he talked about preparing and running a marathon, that’s not really what it is about — though it *almost* made me want to train for a marathon. But, since I just herniated my L5-S1 disc for the second time and I can’t feel my left leg from the knee down right now, I don’t really feel like putting this on my bucket list at the moment.

The bullet points:

  1. Establish a big hairy audacious goal.
  2. Plan out the incremental steps.
  3. Find people who have accomplished the same or similar goals and study how they did it.
  4. Heed the warnings of the experts, but don’t let those become negatives.
  5. Decide what you’re willing to sacrifice to hit high performance achievement.
  6. Keep away from negative people and get around positive influences.
  7. Visual your plan in your mind repeatedly.
  8. Finishing is winning. Celebrate your win.

A lot of the audiobooks I listen to are business related. While this one is business related, it really can be related to anything in life. It is an audio I would have my wife and kids listen to.

I highly recommend it.