Dave opens the show remembering how it has been 30 years since he declared bankruptcy: "Do you ever think where you'd be if you didn't get knocked down?" Debt-Free Scream: A couple from West Virginia visits the show to share how they paid off a $36,000 tractor in just seven months after attending a life-changing Financial Peace University group: "You really have to make sacrifices and work together." 

Work Together on Budgeting:

• Create your first budget in just 10 minutes with EveryDollar. 

Also Mentioned in This Episode:

• Financial Peace University will help you take control of your money, plan for your future, and transform your life.
• You CAN win with money. Discover how at a Smart Money event near you.
• Retire Inspired will teach you how to make smart decisions now to help you live your retirement dreams later.
• Preorder our new book, Everyday Millionaires, based on the largest study EVER conducted on 10,000 U.S. net-worth millionaires!

Listen and Watch

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Using Google Play? Find Links Below: 

• Financial Peace University: https://goo.gl/Ui6MDT
• EveryDollar: https://goo.gl/j2acMb
• Retire Inspired: https://goo.gl/LL1RMU
• Smart Money Tour: https://goo.gl/gbef8X
• Everyday Millionaires: https://goo.gl/Y6hgd4
• The Dave Ramsey Show app: https://www.daveramsey.com/show/app