Dave Ramsey's FPU

Everything that I have done in my life, is from trial and error. My parents didn't teach me things I wish I would have been taught. Simple things like "Do you're homework" or everyday circumstances we all come across.

Although I can easily sit back and think... I wish I had those type of parents that were there, I more than less take it as a blessing.

Everything I've learned in my life was by my own trial and error. Such as finding the person to spend the rest of my life with. How I find out that his intentions to marry were to have sex, and at the time... "I was deceived into this so called thing, called love." Again, trial and error.

Funds, I've not always been the best to "budget". I've only had ONE credit card in my life, which I am totally thankful for. It was paid off and closed when I turned 23. My car is not what I "want" to drive, but it works and it's been paid off for years now. I'm the only owner and have had it for going on 10 years. lol My insurance, I changed to liability which only costs me less than $40 a month. House, paid for. Water, Electric and def. phone are necessities. Do I need Charter internet? No. I can do without. Do I need Starbucks everyday? No.

If I stopped getting my "Strawberries n' Cream w/ Soy and no Whip", here's what I'd save.
Estimate a day: $5.00
Cost Per Month: $150.00
If I invested at 12% from age 16-76... I would pocket a whole $19,371,943! Nice.

So I have taken the initiative to stop my Starbucks habit and put in some hard work each and every day in order to become a millionaire at retirement age.

This is awesome as well...
If you put aside $2k a year from age 19-26 at a 12% interest, by age 65 you (or your kids!) would have $2,288,996. That's ONLY $167 a month!!!
If you're 26+, that doesn't mean it's over for you. I'm 27! It's better late then never! =)

So, I've only been to 1 class out of 13 so far. I love my class-mates already with all my heart. I couldn't ask for a better family.

DivorceCare just ended another 13 weeks, and after 2 sessions... I believe I'm ready to move on to what God has for me next. I believe I know what I am doing... but I'm not announcing it... yet. =)

Much Much Love! From me... to you.
Even those who have been so very much cruel to me. You know who you are (because you read this). I have enough love for you too.

Blessings.