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	<title>Personal Finance Advice &#187; Dave Ramsey</title>
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	<link>http://www.pfadvice.com</link>
	<description>Bridging the gap between saving money and investing</description>
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		<title>Debt Snowball: 5 Options</title>
		<link>http://www.pfadvice.com/2012/01/05/debt-snowball-5-options/</link>
		<comments>http://www.pfadvice.com/2012/01/05/debt-snowball-5-options/#comments</comments>
		<pubDate>Thu, 05 Jan 2012 17:52:30 +0000</pubDate>
		<dc:creator>Jeffrey Strain</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Credit Cards]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[debt snowball]]></category>
		<category><![CDATA[debt snowball method]]></category>
		<category><![CDATA[getting out of debt]]></category>
		<category><![CDATA[reducing debt]]></category>
		<category><![CDATA[what debt to pay first]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=8363</guid>
		<description><![CDATA[For anyone trying to get out of debt, the debt snowball method has become the choice of many to tackle their debt. This shouldn&#8217;t be a surprise as it is a straightforward and easy to follow method that works. While the basics are the same, there are a variety of different debt snowball approaches that [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2012/01/05/debt-snowball-5-options/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
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		<title>Paying to Save Money</title>
		<link>http://www.pfadvice.com/2011/07/26/paying-to-save-money/</link>
		<comments>http://www.pfadvice.com/2011/07/26/paying-to-save-money/#comments</comments>
		<pubDate>Tue, 26 Jul 2011 14:06:54 +0000</pubDate>
		<dc:creator>Jennifer Derrick</dc:creator>
				<category><![CDATA[Budgeting]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Shopping]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[financial books]]></category>
		<category><![CDATA[financial forums]]></category>
		<category><![CDATA[financial spreadsheets]]></category>
		<category><![CDATA[money saving tools]]></category>
		<category><![CDATA[personal finances]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=7483</guid>
		<description><![CDATA[A coworker of mine recently decided to get her finances in order. She admitted her debt troubles and her concerns that they don&#8217;t have anything saved for the future, let alone emergencies. While I applaud her desire to fix things, I question the method and the seriousness of her effort. I had to hide a [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2011/07/26/paying-to-save-money/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
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		<title>Dave Ramsey Financial Peace University Review: The Final Analysis</title>
		<link>http://www.pfadvice.com/2010/05/20/dave-ramsey-financial-peace-university-review-the-final-analysis/</link>
		<comments>http://www.pfadvice.com/2010/05/20/dave-ramsey-financial-peace-university-review-the-final-analysis/#comments</comments>
		<pubDate>Thu, 20 May 2010 07:01:30 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Dave Ramsey review]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[FPU]]></category>
		<category><![CDATA[Is Dave ramsey worth it]]></category>
		<category><![CDATA[money and religion]]></category>
		<category><![CDATA[tithing]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6094</guid>
		<description><![CDATA[After thirteen weeks, Financial Peace University has come to an end. So, was it worth it? Was it something that I would recommend to someone in financial trouble? The answer isn&#8217;t a simple yes or no. There were many things about the class that I enjoyed, but there were many things that left me shaking [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/05/20/dave-ramsey-financial-peace-university-review-the-final-analysis/feed/</wfw:commentRss>
		<slash:comments>10</slash:comments>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University Review: Week 13</title>
		<link>http://www.pfadvice.com/2010/05/13/dave-ramsey-financial-peace-university-review-week-13/</link>
		<comments>http://www.pfadvice.com/2010/05/13/dave-ramsey-financial-peace-university-review-week-13/#comments</comments>
		<pubDate>Thu, 13 May 2010 07:01:34 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[dave ramsey final lesson]]></category>
		<category><![CDATA[Dave Ramsey review]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[FPU]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/articles/?p=6068</guid>
		<description><![CDATA[This final lesson was about Baby Step 7, Build Wealth and Give. Everything has been leading up to this. We&#8217;ve been taught how to get out of debt, save money, and invest so that we can build wealth, not only for ourselves but so that we can give some away. I&#8217;ve mentioned the religious nature [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/05/13/dave-ramsey-financial-peace-university-review-week-13/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University Review: Week 12</title>
		<link>http://www.pfadvice.com/2010/05/06/dave-ramsey-review/</link>
		<comments>http://www.pfadvice.com/2010/05/06/dave-ramsey-review/#comments</comments>
		<pubDate>Thu, 06 May 2010 07:01:49 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Debt]]></category>
		<category><![CDATA[Housing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[buying a home]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Dave ramsey step 6]]></category>
		<category><![CDATA[FHA loan]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[home mortgage]]></category>
		<category><![CDATA[VA loan]]></category>

		<guid isPermaLink="false">http://www.pfadvice.com/2010/05/06/6034/</guid>
		<description><![CDATA[This week we tackled Baby Step 6: Pay Off Your Home Early. Or I should say that was what the lesson was supposed to be about. Instead we got the most boring lesson of the bunch, and one of the longest. I was looking forward to some creative and sound ideas for paying off a [...]]]></description>
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		<slash:comments>1</slash:comments>
		</item>
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		<title>Dave Ramsey Financial Peace University Review: Week 11</title>
		<link>http://www.pfadvice.com/2010/04/29/dave-ramsey-financial-peace-university-review-week-11/</link>
		<comments>http://www.pfadvice.com/2010/04/29/dave-ramsey-financial-peace-university-review-week-11/#comments</comments>
		<pubDate>Thu, 29 Apr 2010 07:01:42 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Making Money]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Dan Miller]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[DISC]]></category>
		<category><![CDATA[extra work]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[meaningful work]]></category>
		<category><![CDATA[overtime]]></category>
		<category><![CDATA[pay off debt]]></category>
		<category><![CDATA[what color is your parachute]]></category>

		<guid isPermaLink="false">http://www.pfadvice.com/?p=5994</guid>
		<description><![CDATA[All of our other lessons up to this point have focused on saving money and paying off debt. But this week&#8217;s lesson was about making money. It makes sense. You need to make good money to pay off debt, build wealth, and plan for a secure financial future. That doesn&#8217;t have to mean hundreds of [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/04/29/dave-ramsey-financial-peace-university-review-week-11/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University Review: Week 10</title>
		<link>http://www.pfadvice.com/2010/04/22/dave-ramsey-financial-peace-university-review-week-10/</link>
		<comments>http://www.pfadvice.com/2010/04/22/dave-ramsey-financial-peace-university-review-week-10/#comments</comments>
		<pubDate>Thu, 22 Apr 2010 07:01:03 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Education]]></category>
		<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[baby steps]]></category>
		<category><![CDATA[college fund]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Dave Ramsey review]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Financial Peace University review]]></category>
		<category><![CDATA[IRA]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[retirement saving]]></category>
		<category><![CDATA[Roth IRA]]></category>
		<category><![CDATA[saving]]></category>
		<category><![CDATA[SEPP]]></category>

		<guid isPermaLink="false">http://www.pfadvice.com/?p=5960</guid>
		<description><![CDATA[This week we moved on to Baby Steps Four and Five, which are saving for retirement and saving for your kids&#8217; college education. Baby step four was on deck first, which is to save 15% of your household income in tax-advantaged plans. Dave points out that, at the time this class was filmed, 53% of [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/04/22/dave-ramsey-financial-peace-university-review-week-10/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University Review: Week 9</title>
		<link>http://www.pfadvice.com/2010/04/15/dave-ramsey-financial-peace-university-review-week-9/</link>
		<comments>http://www.pfadvice.com/2010/04/15/dave-ramsey-financial-peace-university-review-week-9/#comments</comments>
		<pubDate>Thu, 15 Apr 2010 07:01:22 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Investing]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[basics of investing]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Dave Ramsey review]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[investing rules]]></category>
		<category><![CDATA[risk versus return]]></category>

		<guid isPermaLink="false">http://www.pfadvice.com/?p=5936</guid>
		<description><![CDATA[This week was about the basics of investing. Once you&#8217;re out of debt and have your emergency fund, it&#8217;s time to move on to creating serious wealth. You do that by investing (or winning the lottery, but Dave doesn&#8217;t advocate that method). Obviously in a one-hour lecture Dave can&#8217;t touch on all of the intricacies [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/04/15/dave-ramsey-financial-peace-university-review-week-9/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University Review: Week 8</title>
		<link>http://www.pfadvice.com/2010/04/08/dave-ramsey-financial-peace-university-review-week-eight/</link>
		<comments>http://www.pfadvice.com/2010/04/08/dave-ramsey-financial-peace-university-review-week-eight/#comments</comments>
		<pubDate>Thu, 08 Apr 2010 07:01:08 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Saving Money]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[Dave Ramsey review]]></category>
		<category><![CDATA[Debt]]></category>
		<category><![CDATA[debt elimination]]></category>
		<category><![CDATA[Debt Reduction]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[Financial Peace University review]]></category>
		<category><![CDATA[negotiations]]></category>

		<guid isPermaLink="false">http://www.pfadvice.com/?p=5905</guid>
		<description><![CDATA[This week&#8217;s lesson was about how to find big bargains. I thought this was kind of a funny topic because the last thing people in debt need to be doing is shopping. But then I realized that the lessons are starting to transition to topics that will be used after the class becomes debt free. [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/04/08/dave-ramsey-financial-peace-university-review-week-eight/feed/</wfw:commentRss>
		<slash:comments>2</slash:comments>
		</item>
		<item>
		<title>Dave Ramsey Financial Peace University Review: Week 7</title>
		<link>http://www.pfadvice.com/2010/04/01/dave-ramsey-financial-peace-university-review-week-7/</link>
		<comments>http://www.pfadvice.com/2010/04/01/dave-ramsey-financial-peace-university-review-week-7/#comments</comments>
		<pubDate>Thu, 01 Apr 2010 07:01:59 +0000</pubDate>
		<dc:creator>Maggie Ellis</dc:creator>
				<category><![CDATA[Insurance]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[car insurance]]></category>
		<category><![CDATA[Dave ramset financial peace university]]></category>
		<category><![CDATA[Dave Ramsey]]></category>
		<category><![CDATA[disability insurance]]></category>
		<category><![CDATA[emergenct fund]]></category>
		<category><![CDATA[Financial Peace University]]></category>
		<category><![CDATA[health insurance]]></category>
		<category><![CDATA[homeowners insurance]]></category>
		<category><![CDATA[identity theft protection]]></category>
		<category><![CDATA[life insurance]]></category>
		<category><![CDATA[long term care insurance]]></category>
		<category><![CDATA[week seven]]></category>

		<guid isPermaLink="false">http://www.savingadvice.com/blog/?p=5867</guid>
		<description><![CDATA[Class this week was about insurance. You could hear the groans and sighs around the auditorium. Insurance is boring and it isn&#8217;t fun. Plus, I think people don&#8217;t like to talk about it because it means thinking about your mortality (in the case of life insurance), catastrophe (home and auto insurance), illness (health, long term [...]]]></description>
		<wfw:commentRss>http://www.pfadvice.com/2010/04/01/dave-ramsey-financial-peace-university-review-week-7/feed/</wfw:commentRss>
		<slash:comments>6</slash:comments>
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