“…We are CONFIDENT that YOU ARE MEANT for BETTER THINGS, things that come with salvation.” – Hebrews 6:9 New Living Translation.
“And not only that, but we also glory in tribulations, knowing that tribulation produces perseverance; and perseverance, character; and character, hope. Now hope does not disappoint, because the love of God has been poured out in our hearts by the Holy Spirit who was given to us.” – Romans 5:3-5 New King James Version.
From Early Success to Sudden Setback
David got married at 22 and went all-in on real estate. By 26, he was a millionaire, earning what would be about $680,000 a year today. He had the dream: income, net worth, family, and success. But beneath the surface, debt was lurking, ready to unravel it all.
When the Rules Changed and Reality Hit
The Banking Act of 1986 changed the game. Banks saw David as over-leveraged and demanded repayment. Within 90 days, he had to unload over $1.2 million in debt. Despite fighting to trim it down to $378K, he eventually had to file for bankruptcy on September 22, 1988.
BIBLE HOPE for A New Beginning: From Bankruptcy to Bible-Based Wisdom
David refused to stay down. He chose to put his hope in God for better things and start all over again, wiser this time. He devoured books, learned from credible mentors, and most importantly, turned to the Bible for guidance on money management. He began to apply what he learned—slowly rebuilding, one wise choice at a time.
From One Conversation to a Global Movement
It all started with helping a church friend. Word spread. People came seeking counsel. Dave Ramsey launched The Lampo Group, Inc., taught budgeting classes, and got on radio. For the first 10 years, he made no great profit—but he kept digging in. Now his show reaches 80 million people weekly, and he’s worth over $700 million!
You Can Hope for Better Things Too
“Now hope does not disappoint, because the love of God has been poured out in our hearts by the Holy Spirit who was given to us.” —Romans 5:5 NKJV.
Hope in God’s Word will never fail. Like Dave Ramsey, you can rise again. The storm may rage, but your change and release shall come (Job 14:14 AMPC).
Dig In, Don’t Give In
When storms hit, you have two choices: Give in and quit or dig in and grow.
Dave Ramsey dug in—and became a beacon of hope to millions, impacting lives through his Financial Peace University, which has helped over 10 million people find financial freedom.
From Breakdown to Breakthrough
Dave now speaks across the world, leads live seminars, and runs a life-changing platform through radio, podcast, YouTube, and training programs. I am honored to serve as one of his certified independent financial coaches and FPU (Financial Peace University) coordinators, witnessing these transformations firsthand.
Storms Don’t Cancel God’s Presence
“Never let the presence of a storm cause you to doubt the presence of God.” —Craig Groeschel.
Yes, challenges are real. But so is victory for the righteous: “The righteous person faces many troubles, but the Lord comes to the rescue each time.” (Psalm 34:19 NLT). [To be continued next week…]
