F.P.U.

You know, I’ve always thought Dave Ramsey had good things to say, and his company promoted good ideas and values…. But I never really dove into his stuff.

Until now!

Last Sunday was our first FPU class. For those of you who don’t know, FPU stands for Financial Peace University. I don’t know about you, but financial peace sure sounds good to me!

The website makes it easy to find a local class. They’re usually hosted by churches. The classes last for thirteen weeks, a couple hours each. For the first hour, you watch Dave’s presentation of the lesson on dvd. For the second, you meet in a small accountability group.

This last Sunday’s lesson covered the Seven Baby Steps (click here to see a list of all the FPU classes)

FPU Kit

  • Step 1:  $1,000 in an emergency fund ($500 if your income is under $20,000 per year)
  • Step 2:  Pay off all debt except the house utilizing the debt snowball
  • Step 3:  Three to six months expenses in savings
  • Step 4:  Invest 15% of your household income into Roth IRAs and pre-tax retirement plans
  • Step 5:  College funding
  • Step 6:  Pay off your home early
  • Step 7:  Build wealth and give!

My husband and I are both so excited to be heading down this path!

Some people have commented that we don’t need a class like that–we handle our money so well. Some people tell us we need to take it. We decided since we’re in a transitional stage of life, trying to figure out how to financially handle living in a new area, it was a good time to get some education.

Have you heard of FPU before? Why did you or did you not take it? If you did, how has it impacted your life?

Related Posts:

Money, Money, Money! by meMaigan

2012 Financial Goals April Update by Chickens, Cows & Children

God and Finances by On Planting Seeds…

The Joining of Your Money by Modern Wonder Woman

My Bucket List by LiteraryEllyMay’s Blog

Credit Card Addiction by Financially Literate

Here we go…. by Our Freedom Story

Advertisements

Most People Never Get There

I receive quotes from Runner’s World via e-mail every day. And the other day I received one that made me think, I have to share this on my blog!

“Most people never get there. They’re afraid or unwilling to demand enough of themselves and take the easy road, the path of least resistance. But struggling and suffering, as I now saw it, were the essence of a life worth living. If you’re not pushing yourself beyond the comfort zone, if you’re not constantly demanding more from yourself—expanding and learning as you go—you’re choosing a numb existence. You’re denying yourself an extraordinary trip.”   —Dean Karnazes

Think about it.

Most people want to take the “easy” road in life. They want to do what makes them feel comfortable. When things don’t go their way, they shout that it’s not fair. BUT at the same time those people usually seem miserable, at the very least not satisfied with life. They have no real joy.

Lester

Where does real joy come from? A favorite TV show? Fast food? Shopping? Relaxing? Puppies? Kittens?

Or is it something deeper? Discovery? Accomplishment? Giving? Learning? Loving?

I believe it is something deeper still:  a relationship with God.

I could go on and on about why I believe true joy can only be found with God, but to tie back to Karno’s quote….with God we gain confidence in accomplishing the impossible. The demands, resistance, struggle, and suffering become surmountable, even worthwhile.

The sentence that pops out to me is, “But struggling and suffering…were the essence of a life worth living.”

Have you heard the idea that if there are no conflicts in a marriage, the couple is not in love? The more one invests in a marriage the greater the chance of conflict, because people are making themselves vulnerable. At the same time, the more one invests in a marriage the greater that marriage will become.

The same goes for life. The more one invests in life, the greater the chance of struggle and suffering. At the same time, the greater one’s life will be.

Are you denying yourself an extraordinary trip?