6 Reasons People Stay in Debt

If You Haven't Decided to Get Out of Debt, What's Holding You Back?

DAVE'S eNEWSLETTER September 2013 | DAVERAMSEY.COM | View this email online? Click here. | Forward to a friend

Do you remember the moment you decided to get out of debt? You were sick and tired of being sick and tired. You might have even gotten angry at being in debt. Eventually, the burden and the stress of the constant bills and piling debt broke you down. Something inside you “clicked,” and you decided it was time to make a fresh start. But what keeps people from getting out of debt? Why would someone want to stay in chains instead of living in freedom? Sadly, there are all sorts of reasons people choose MasterCard over being free from debt. Here are just a few. Can You Retire Without a 401(k)? Are you doomed to a skimpy retirement if you don't have a 401(k)? No way! Find out how to fill the gap. Which Class Is Right for You? No matter where you find yourself in your financial story, we've got a class that is right for you. Our ultimate goal is to see you living and giving like never before! Why wait another day? Daveramsey.com Month in Review • The Dave Ramsey Show: Watch Now! • Budgeting for the Month: September • 5 Tips for Buying a Used Car • 6 Kinds of Facebook Statuses to Ignore Dave's Money Tools Other Great Tools Get recommended percentages for your spending and keep on the right track with the Gazelle Budget tool! Learn more! The Debt Snowball Investing Calculator Mortgage Calculator More Money Tools Get Plugged In! Where's Dave? Employment Opportunities New Radio Station Affiliates Where's Dave? Legacy Journey LIVE! October 10, 2013 – Tulsa, OK October 17, 2013 – Spokane, WA November 14, 2013 – Greenville, SC November 21, 2013 – New York, NY Total Money Makeover LIVE! October 5, 2013 – Presented by Rachel Cruze – South Bend, IN October 12, 2013 – Presented by Rachel Cruze – Champaign, IL October 26, 2013 – Presented by Andres Gutierrez – Odessa, TX November 2, 2013 – Presented by Chris Hogan – Huntsville, AL November 16, 2013 – Presented by Chris Hogan – Baton Rouge, LA EntreLeadership 1-Day September 17, 2013 – Orlando, FL October 9, 2013 – Colorado Springs, CO October 16, 2013 – Los Angeles, CA November 13, 2013 – Birmingham, AL EntreLeadership Master Series November 3–9, 2013 – Nashville, TN Want to bring one of Dave's speakers to your group or event? Find out how. Find a station near you! There are more than 500 affiliates nationwide. New Radio Affiliates City and State Radio Station Air Times Pittsburgh, PA WPGB-FM 104.7 M–F, 8–11 p.m. ET Spokane, WA KXLY-AM 920 M–F, 12–3 p.m. ET Portland, OR KPAM-AM 860 M–F, 6–9 p.m. PT Goldendale, WA KLCK-AM 1400 M–F, 12–3 p.m. PT Lincoln, NE KFOR-AM 1240 M–F, 6–9 p.m. CT St. Cloud, MN KNSI-AM 1450 or K277BS-FM 103.3 M–F, 6–9 p.m. CT Manchester, KY WKLB-AM 1290 or W283AH-FM 104.5 M–F, 3–6 p.m. ET Gainesville, FL WDVH-AM 980 M–F, 3–6 p.m. ET Hernando, FL WRZN-AM 720AM M–F, 3–6 p.m. ET Ft. Wayne, IN WOWO-AM 1190 or WOWO-FM 92.3 M–F, 12–3 p.m. ET

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