I am Thad Puckett and I’ve made money mistakes.  Maybe not with zeros on the end, but I’ve made mistakes with finances that need not have been made.  In the early 90s I was doing all of what Dave Ramsey was beginning to teach, though I had never heard of him.  Budgets, tracking our spending, living under our means, living like no-one else (we were living in Zimbabwe and then Taiwan)…but later I started living just like everyone else (here in the USA).

Dave Ramsey is one year older than me, far smarter and far far more wealthy.  If I help only 1/1000th of the people he has helped, all of this will be worth it.