This is not new information, the church has been teaching it FOREVER, but I have to say there is something about Dave Ramsey that has changed me for the better. He can do the same for you. Check out this video - he outlines the Baby Steps which are brilliant and simple. Want even more encouragement? Listen to him - you can get streaming audio on 570 KLIF everyday from 1-4 or on the Radio 570 AM.
Kyle and I are going to see him live next month and I couldn't be more excited. Well yes I could be more excited if I was on the last baby step :)
If
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